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$56,434
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,190
−HK$1,783/mo
Today · 4.125%
HK$59,973
baseline
▲ 0.50% · 4.625%
HK$63,622
+HK$3,649/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,946/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,782
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,466
−HK$1,708/mo
Today · 4.125%
HK$66,174
baseline
▲ 0.50% · 4.625%
HK$69,663
+HK$3,489/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,348/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,721
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,827
−HK$2,141/mo
Today · 4.125%
HK$71,968
baseline
▲ 0.50% · 4.625%
HK$76,347
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,936/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,339
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,359
−HK$2,050/mo
Today · 4.125%
HK$79,409
baseline
▲ 0.50% · 4.625%
HK$83,595
+HK$4,186/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,818/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,008
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,465
−HK$2,497/mo
Today · 4.125%
HK$83,962
baseline
▲ 0.50% · 4.625%
HK$89,071
+HK$5,109/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,924/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,895
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,253
−HK$2,391/mo
Today · 4.125%
HK$92,644
baseline
▲ 0.50% · 4.625%
HK$97,528
+HK$4,884/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,288/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,581
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,741
−HK$3,211/mo
Today · 4.125%
HK$107,952
baseline
▲ 0.50% · 4.625%
HK$114,520
+HK$6,568/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,904/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,008
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,039
−HK$3,075/mo
Today · 4.125%
HK$119,114
baseline
▲ 0.50% · 4.625%
HK$125,393
+HK$6,279/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,228/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,835 · Scale 2, in force from 26 Feb 2026)