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$3,540/mo
▼ 0.25% · 3.875%
HK$58,196
−HK$1,784/mo
Today · 4.125%
HK$59,980
baseline
▲ 0.50% · 4.625%
HK$63,629
+HK$3,649/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,960/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,789
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,709/mo
Today · 4.125%
HK$66,182
baseline
▲ 0.50% · 4.625%
HK$69,670
+HK$3,488/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,364/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,729
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,835
−HK$2,141/mo
Today · 4.125%
HK$71,976
baseline
▲ 0.50% · 4.625%
HK$76,355
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,952/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,347
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,368
−HK$2,050/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$83,604
+HK$4,186/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,017
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,474
−HK$2,498/mo
Today · 4.125%
HK$83,972
baseline
▲ 0.50% · 4.625%
HK$89,081
+HK$5,109/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,944/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,905
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,263
−HK$2,391/mo
Today · 4.125%
HK$92,654
baseline
▲ 0.50% · 4.625%
HK$97,538
+HK$4,884/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,308/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,593
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,753
−HK$3,211/mo
Today · 4.125%
HK$107,964
baseline
▲ 0.50% · 4.625%
HK$114,533
+HK$6,569/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,928/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,021
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,052
−HK$3,075/mo
Today · 4.125%
HK$119,127
baseline
▲ 0.50% · 4.625%
HK$125,406
+HK$6,279/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,254/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,952 · Scale 2, in force from 26 Feb 2026)