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$56,456
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,212
−HK$1,784/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,647
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,807
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,491
−HK$1,709/mo
Today · 4.125%
HK$66,200
baseline
▲ 0.50% · 4.625%
HK$69,690
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,400/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,747
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,855
−HK$2,141/mo
Today · 4.125%
HK$71,996
baseline
▲ 0.50% · 4.625%
HK$76,376
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$143,992/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,368
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,389
−HK$2,051/mo
Today · 4.125%
HK$79,440
baseline
▲ 0.50% · 4.625%
HK$83,627
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,880/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,038
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,497
−HK$2,498/mo
Today · 4.125%
HK$83,995
baseline
▲ 0.50% · 4.625%
HK$89,106
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,990/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,929
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,288
−HK$2,392/mo
Today · 4.125%
HK$92,680
baseline
▲ 0.50% · 4.625%
HK$97,565
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,360/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,621
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,782
−HK$3,211/mo
Today · 4.125%
HK$107,993
baseline
▲ 0.50% · 4.625%
HK$114,565
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,986/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,052
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,084
−HK$3,076/mo
Today · 4.125%
HK$119,160
baseline
▲ 0.50% · 4.625%
HK$125,441
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,320/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,243 · Scale 2, in force from 26 Feb 2026)