The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$56,488
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,245
−HK$1,785/mo
Today · 4.125%
HK$60,030
baseline
▲ 0.50% · 4.625%
HK$63,683
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,060/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,842
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,527
−HK$1,710/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$69,729
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,785
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,894
−HK$2,142/mo
Today · 4.125%
HK$72,036
baseline
▲ 0.50% · 4.625%
HK$76,419
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,072/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,410
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,433
−HK$2,052/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$83,674
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,083
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,543
−HK$2,499/mo
Today · 4.125%
HK$84,042
baseline
▲ 0.50% · 4.625%
HK$89,156
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,084/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,979
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,338
−HK$2,394/mo
Today · 4.125%
HK$92,732
baseline
▲ 0.50% · 4.625%
HK$97,620
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,464/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,678
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,841
−HK$3,213/mo
Today · 4.125%
HK$108,054
baseline
▲ 0.50% · 4.625%
HK$114,629
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,108/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,115
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,149
−HK$3,078/mo
Today · 4.125%
HK$119,227
baseline
▲ 0.50% · 4.625%
HK$125,511
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,454/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,831 · Scale 2, in force from 26 Feb 2026)