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$56,359
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,781/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,537
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,699
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,380
−HK$1,706/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$69,569
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,631
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,734
−HK$2,138/mo
Today · 4.125%
HK$71,872
baseline
▲ 0.50% · 4.625%
HK$76,245
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,744/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,238
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,256
−HK$2,047/mo
Today · 4.125%
HK$79,303
baseline
▲ 0.50% · 4.625%
HK$83,483
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,606/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,902
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,357
−HK$2,493/mo
Today · 4.125%
HK$83,850
baseline
▲ 0.50% · 4.625%
HK$88,952
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,700/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,778
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,132
−HK$2,388/mo
Today · 4.125%
HK$92,520
baseline
▲ 0.50% · 4.625%
HK$97,397
+HK$4,877/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,040/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,446
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,601
−HK$3,206/mo
Today · 4.125%
HK$107,807
baseline
▲ 0.50% · 4.625%
HK$114,367
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,614/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,857
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,884
−HK$3,071/mo
Today · 4.125%
HK$118,955
baseline
▲ 0.50% · 4.625%
HK$125,225
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,910/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,429 · Scale 2, in force from 26 Feb 2026)