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$56,396
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,150
−HK$1,782/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,707/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$69,615
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,780
−HK$2,139/mo
Today · 4.125%
HK$71,919
baseline
▲ 0.50% · 4.625%
HK$76,295
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,838/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,288
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,307
−HK$2,048/mo
Today · 4.125%
HK$79,355
baseline
▲ 0.50% · 4.625%
HK$83,538
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,710/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,954
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,410
−HK$2,495/mo
Today · 4.125%
HK$83,905
baseline
▲ 0.50% · 4.625%
HK$89,011
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,810/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,836
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,191
−HK$2,390/mo
Today · 4.125%
HK$92,581
baseline
▲ 0.50% · 4.625%
HK$97,461
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,162/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,513
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,670
−HK$3,208/mo
Today · 4.125%
HK$107,878
baseline
▲ 0.50% · 4.625%
HK$114,442
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,756/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,932
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,960
−HK$3,073/mo
Today · 4.125%
HK$119,033
baseline
▲ 0.50% · 4.625%
HK$125,307
+HK$6,274/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,066/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,121 · Scale 2, in force from 26 Feb 2026)