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$56,392
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,146
−HK$1,783/mo
Today · 4.125%
HK$59,929
baseline
▲ 0.50% · 4.625%
HK$63,575
+HK$3,646/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,858/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,736
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,418
−HK$1,707/mo
Today · 4.125%
HK$66,125
baseline
▲ 0.50% · 4.625%
HK$69,611
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,250/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,671
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,776
−HK$2,138/mo
Today · 4.125%
HK$71,914
baseline
▲ 0.50% · 4.625%
HK$76,290
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,828/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,283
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,302
−HK$2,048/mo
Today · 4.125%
HK$79,350
baseline
▲ 0.50% · 4.625%
HK$83,533
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,700/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,949
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,405
−HK$2,495/mo
Today · 4.125%
HK$83,900
baseline
▲ 0.50% · 4.625%
HK$89,005
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,800/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,830
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,186
−HK$2,390/mo
Today · 4.125%
HK$92,576
baseline
▲ 0.50% · 4.625%
HK$97,455
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,152/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,506
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,664
−HK$3,208/mo
Today · 4.125%
HK$107,872
baseline
▲ 0.50% · 4.625%
HK$114,435
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,744/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,925
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,953
−HK$3,073/mo
Today · 4.125%
HK$119,026
baseline
▲ 0.50% · 4.625%
HK$125,300
+HK$6,274/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,052/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,056 · Scale 2, in force from 26 Feb 2026)