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$56,440
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,195
−HK$1,784/mo
Today · 4.125%
HK$59,979
baseline
▲ 0.50% · 4.625%
HK$63,628
+HK$3,649/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,958/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,788
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,472
−HK$1,709/mo
Today · 4.125%
HK$66,181
baseline
▲ 0.50% · 4.625%
HK$69,669
+HK$3,488/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,362/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,727
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,834
−HK$2,141/mo
Today · 4.125%
HK$71,975
baseline
▲ 0.50% · 4.625%
HK$76,354
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,950/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,346
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,367
−HK$2,050/mo
Today · 4.125%
HK$79,417
baseline
▲ 0.50% · 4.625%
HK$83,603
+HK$4,186/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,834/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,015
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,473
−HK$2,497/mo
Today · 4.125%
HK$83,970
baseline
▲ 0.50% · 4.625%
HK$89,080
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,940/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,904
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,261
−HK$2,392/mo
Today · 4.125%
HK$92,653
baseline
▲ 0.50% · 4.625%
HK$97,537
+HK$4,884/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,306/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,591
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,751
−HK$3,211/mo
Today · 4.125%
HK$107,962
baseline
▲ 0.50% · 4.625%
HK$114,531
+HK$6,569/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,924/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,019
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,050
−HK$3,075/mo
Today · 4.125%
HK$119,125
baseline
▲ 0.50% · 4.625%
HK$125,404
+HK$6,279/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,250/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,935 · Scale 2, in force from 26 Feb 2026)