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$56,387
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,141
−HK$1,782/mo
Today · 4.125%
HK$59,923
baseline
▲ 0.50% · 4.625%
HK$63,570
+HK$3,647/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,846/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,730
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,413
−HK$1,706/mo
Today · 4.125%
HK$66,119
baseline
▲ 0.50% · 4.625%
HK$69,605
+HK$3,486/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,238/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,665
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,770
−HK$2,138/mo
Today · 4.125%
HK$71,908
baseline
▲ 0.50% · 4.625%
HK$76,283
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,816/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,276
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,295
−HK$2,048/mo
Today · 4.125%
HK$79,343
baseline
▲ 0.50% · 4.625%
HK$83,526
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,686/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,942
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,398
−HK$2,495/mo
Today · 4.125%
HK$83,893
baseline
▲ 0.50% · 4.625%
HK$88,997
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,786/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,822
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,178
−HK$2,389/mo
Today · 4.125%
HK$92,567
baseline
▲ 0.50% · 4.625%
HK$97,447
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,134/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,497
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,654
−HK$3,208/mo
Today · 4.125%
HK$107,862
baseline
▲ 0.50% · 4.625%
HK$114,425
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,724/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,915
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,943
−HK$3,072/mo
Today · 4.125%
HK$119,015
baseline
▲ 0.50% · 4.625%
HK$125,288
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,030/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,962 · Scale 2, in force from 26 Feb 2026)