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$56,373
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,127
−HK$1,781/mo
Today · 4.125%
HK$59,908
baseline
▲ 0.50% · 4.625%
HK$63,554
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,816/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,715
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,397
−HK$1,706/mo
Today · 4.125%
HK$66,103
baseline
▲ 0.50% · 4.625%
HK$69,587
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,206/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,648
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,752
−HK$2,138/mo
Today · 4.125%
HK$71,890
baseline
▲ 0.50% · 4.625%
HK$76,264
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,780/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,258
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,276
−HK$2,047/mo
Today · 4.125%
HK$79,323
baseline
▲ 0.50% · 4.625%
HK$83,505
+HK$4,182/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,646/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,922
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,377
−HK$2,495/mo
Today · 4.125%
HK$83,872
baseline
▲ 0.50% · 4.625%
HK$88,975
+HK$5,103/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,744/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,800
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,155
−HK$2,389/mo
Today · 4.125%
HK$92,544
baseline
▲ 0.50% · 4.625%
HK$97,422
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,088/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,472
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,628
−HK$3,207/mo
Today · 4.125%
HK$107,835
baseline
▲ 0.50% · 4.625%
HK$114,396
+HK$6,561/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,670/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,886
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,914
−HK$3,071/mo
Today · 4.125%
HK$118,985
baseline
▲ 0.50% · 4.625%
HK$125,257
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,970/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,699 · Scale 2, in force from 26 Feb 2026)