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$56,357
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,781/mo
Today · 4.125%
HK$59,891
baseline
▲ 0.50% · 4.625%
HK$63,535
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,782/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,696
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,378
−HK$1,705/mo
Today · 4.125%
HK$66,083
baseline
▲ 0.50% · 4.625%
HK$69,567
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,166/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,628
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,732
−HK$2,137/mo
Today · 4.125%
HK$71,869
baseline
▲ 0.50% · 4.625%
HK$76,242
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,738/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,235
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,253
−HK$2,047/mo
Today · 4.125%
HK$79,300
baseline
▲ 0.50% · 4.625%
HK$83,480
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,600/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,899
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,354
−HK$2,493/mo
Today · 4.125%
HK$83,847
baseline
▲ 0.50% · 4.625%
HK$88,949
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,694/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,775
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,129
−HK$2,388/mo
Today · 4.125%
HK$92,517
baseline
▲ 0.50% · 4.625%
HK$97,394
+HK$4,877/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,034/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,442
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,597
−HK$3,206/mo
Today · 4.125%
HK$107,803
baseline
▲ 0.50% · 4.625%
HK$114,363
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,606/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,853
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,880
−HK$3,070/mo
Today · 4.125%
HK$118,950
baseline
▲ 0.50% · 4.625%
HK$125,220
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,900/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,390 · Scale 2, in force from 26 Feb 2026)