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$56,398
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,152
−HK$1,783/mo
Today · 4.125%
HK$59,935
baseline
▲ 0.50% · 4.625%
HK$63,582
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,870/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,742
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,425
−HK$1,707/mo
Today · 4.125%
HK$66,132
baseline
▲ 0.50% · 4.625%
HK$69,618
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,264/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,678
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,783
−HK$2,139/mo
Today · 4.125%
HK$71,922
baseline
▲ 0.50% · 4.625%
HK$76,298
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,844/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,291
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,310
−HK$2,049/mo
Today · 4.125%
HK$79,359
baseline
▲ 0.50% · 4.625%
HK$83,542
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,718/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,957
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,413
−HK$2,496/mo
Today · 4.125%
HK$83,909
baseline
▲ 0.50% · 4.625%
HK$89,014
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,818/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,839
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,195
−HK$2,390/mo
Today · 4.125%
HK$92,585
baseline
▲ 0.50% · 4.625%
HK$97,465
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,170/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,517
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,674
−HK$3,209/mo
Today · 4.125%
HK$107,883
baseline
▲ 0.50% · 4.625%
HK$114,447
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,766/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,936
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,965
−HK$3,073/mo
Today · 4.125%
HK$119,038
baseline
▲ 0.50% · 4.625%
HK$125,313
+HK$6,275/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,076/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,164 · Scale 2, in force from 26 Feb 2026)