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$56,428
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,184
−HK$1,783/mo
Today · 4.125%
HK$59,967
baseline
▲ 0.50% · 4.625%
HK$63,616
+HK$3,649/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,934/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,776
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,460
−HK$1,708/mo
Today · 4.125%
HK$66,168
baseline
▲ 0.50% · 4.625%
HK$69,655
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,336/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,714
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,820
−HK$2,140/mo
Today · 4.125%
HK$71,960
baseline
▲ 0.50% · 4.625%
HK$76,339
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,920/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,331
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,352
−HK$2,049/mo
Today · 4.125%
HK$79,401
baseline
▲ 0.50% · 4.625%
HK$83,587
+HK$4,186/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,802/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,000
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,457
−HK$2,497/mo
Today · 4.125%
HK$83,954
baseline
▲ 0.50% · 4.625%
HK$89,062
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,908/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,886
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,244
−HK$2,391/mo
Today · 4.125%
HK$92,635
baseline
▲ 0.50% · 4.625%
HK$97,518
+HK$4,883/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,270/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,571
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,731
−HK$3,210/mo
Today · 4.125%
HK$107,941
baseline
▲ 0.50% · 4.625%
HK$114,509
+HK$6,568/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,882/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,997
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,027
−HK$3,075/mo
Today · 4.125%
HK$119,102
baseline
▲ 0.50% · 4.625%
HK$125,380
+HK$6,278/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,204/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,728 · Scale 2, in force from 26 Feb 2026)