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$56,407
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,162
−HK$1,783/mo
Today · 4.125%
HK$59,945
baseline
▲ 0.50% · 4.625%
HK$63,592
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,890/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,753
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,436
−HK$1,707/mo
Today · 4.125%
HK$66,143
baseline
▲ 0.50% · 4.625%
HK$69,629
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,286/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,689
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,794
−HK$2,139/mo
Today · 4.125%
HK$71,933
baseline
▲ 0.50% · 4.625%
HK$76,310
+HK$4,377/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,866/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,303
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,323
−HK$2,048/mo
Today · 4.125%
HK$79,371
baseline
▲ 0.50% · 4.625%
HK$83,555
+HK$4,184/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,742/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,970
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,427
−HK$2,495/mo
Today · 4.125%
HK$83,922
baseline
▲ 0.50% · 4.625%
HK$89,029
+HK$5,107/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,844/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,854
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,210
−HK$2,390/mo
Today · 4.125%
HK$92,600
baseline
▲ 0.50% · 4.625%
HK$97,481
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,200/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,533
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,691
−HK$3,209/mo
Today · 4.125%
HK$107,900
baseline
▲ 0.50% · 4.625%
HK$114,466
+HK$6,566/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,800/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,955
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,984
−HK$3,073/mo
Today · 4.125%
HK$119,057
baseline
▲ 0.50% · 4.625%
HK$125,333
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,114/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,334 · Scale 2, in force from 26 Feb 2026)