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$56,362
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,115
−HK$1,781/mo
Today · 4.125%
HK$59,896
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,792/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,702
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,706/mo
Today · 4.125%
HK$66,089
baseline
▲ 0.50% · 4.625%
HK$69,573
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,178/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,634
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,738
−HK$2,137/mo
Today · 4.125%
HK$71,875
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,750/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,242
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,260
−HK$2,047/mo
Today · 4.125%
HK$79,307
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,614/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,906
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,361
−HK$2,494/mo
Today · 4.125%
HK$83,855
baseline
▲ 0.50% · 4.625%
HK$88,957
+HK$5,102/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,710/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,783
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,137
−HK$2,388/mo
Today · 4.125%
HK$92,525
baseline
▲ 0.50% · 4.625%
HK$97,402
+HK$4,877/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,050/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,451
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,607
−HK$3,206/mo
Today · 4.125%
HK$107,813
baseline
▲ 0.50% · 4.625%
HK$114,373
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,626/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,863
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,890
−HK$3,071/mo
Today · 4.125%
HK$118,961
baseline
▲ 0.50% · 4.625%
HK$125,232
+HK$6,271/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,922/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,484 · Scale 2, in force from 26 Feb 2026)