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$56,351
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,103
−HK$1,781/mo
Today · 4.125%
HK$59,884
baseline
▲ 0.50% · 4.625%
HK$63,528
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,768/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,689
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,371
−HK$1,705/mo
Today · 4.125%
HK$66,076
baseline
▲ 0.50% · 4.625%
HK$69,559
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,152/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,621
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,724
−HK$2,137/mo
Today · 4.125%
HK$71,861
baseline
▲ 0.50% · 4.625%
HK$76,234
+HK$4,373/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,722/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,245
−HK$2,047/mo
Today · 4.125%
HK$79,292
baseline
▲ 0.50% · 4.625%
HK$83,471
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,584/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,891
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,345
−HK$2,493/mo
Today · 4.125%
HK$83,838
baseline
▲ 0.50% · 4.625%
HK$88,939
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,676/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,765
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,119
−HK$2,388/mo
Today · 4.125%
HK$92,507
baseline
▲ 0.50% · 4.625%
HK$97,383
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,014/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,431
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,586
−HK$3,206/mo
Today · 4.125%
HK$107,792
baseline
▲ 0.50% · 4.625%
HK$114,350
+HK$6,558/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,584/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,841
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,867
−HK$3,070/mo
Today · 4.125%
HK$118,937
baseline
▲ 0.50% · 4.625%
HK$125,207
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,874/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,277 · Scale 2, in force from 26 Feb 2026)