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$56,369
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,123
−HK$1,781/mo
Today · 4.125%
HK$59,904
baseline
▲ 0.50% · 4.625%
HK$63,549
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,808/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,710
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,392
−HK$1,706/mo
Today · 4.125%
HK$66,098
baseline
▲ 0.50% · 4.625%
HK$69,583
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,196/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,643
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,747
−HK$2,138/mo
Today · 4.125%
HK$71,885
baseline
▲ 0.50% · 4.625%
HK$76,259
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,770/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,252
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,271
−HK$2,047/mo
Today · 4.125%
HK$79,318
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,636/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,917
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,372
−HK$2,494/mo
Today · 4.125%
HK$83,866
baseline
▲ 0.50% · 4.625%
HK$88,969
+HK$5,103/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,732/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,795
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,149
−HK$2,389/mo
Today · 4.125%
HK$92,538
baseline
▲ 0.50% · 4.625%
HK$97,416
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,076/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,465
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,621
−HK$3,207/mo
Today · 4.125%
HK$107,828
baseline
▲ 0.50% · 4.625%
HK$114,389
+HK$6,561/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,656/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,879
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,906
−HK$3,071/mo
Today · 4.125%
HK$118,977
baseline
▲ 0.50% · 4.625%
HK$125,249
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,954/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,628 · Scale 2, in force from 26 Feb 2026)