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$56,092
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,837
−HK$1,772/mo
Today · 4.125%
HK$59,609
baseline
▲ 0.50% · 4.625%
HK$63,236
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,218/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,402
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,075
−HK$1,698/mo
Today · 4.125%
HK$65,773
baseline
▲ 0.50% · 4.625%
HK$69,240
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,546/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,310
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,404
−HK$2,127/mo
Today · 4.125%
HK$71,531
baseline
▲ 0.50% · 4.625%
HK$75,884
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,062/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,882
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,890
−HK$2,037/mo
Today · 4.125%
HK$78,927
baseline
▲ 0.50% · 4.625%
HK$83,088
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,854/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,528
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,971
−HK$2,482/mo
Today · 4.125%
HK$83,453
baseline
▲ 0.50% · 4.625%
HK$88,531
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,906/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,362
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,705
−HK$2,377/mo
Today · 4.125%
HK$92,082
baseline
▲ 0.50% · 4.625%
HK$96,936
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,164/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,965
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,106
−HK$3,191/mo
Today · 4.125%
HK$107,297
baseline
▲ 0.50% · 4.625%
HK$113,825
+HK$6,528/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,594/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,323
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,335
−HK$3,056/mo
Today · 4.125%
HK$118,391
baseline
▲ 0.50% · 4.625%
HK$124,632
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,782/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,453 · Scale 2, in force from 26 Feb 2026)