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$56,403
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,157
−HK$1,783/mo
Today · 4.125%
HK$59,940
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,880/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,747
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,430
−HK$1,707/mo
Today · 4.125%
HK$66,137
baseline
▲ 0.50% · 4.625%
HK$69,624
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,274/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,683
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,788
−HK$2,139/mo
Today · 4.125%
HK$71,927
baseline
▲ 0.50% · 4.625%
HK$76,304
+HK$4,377/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,854/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,297
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,316
−HK$2,049/mo
Today · 4.125%
HK$79,365
baseline
▲ 0.50% · 4.625%
HK$83,548
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,730/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,964
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,420
−HK$2,495/mo
Today · 4.125%
HK$83,915
baseline
▲ 0.50% · 4.625%
HK$89,021
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,830/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,846
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,202
−HK$2,390/mo
Today · 4.125%
HK$92,592
baseline
▲ 0.50% · 4.625%
HK$97,473
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,184/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,525
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,683
−HK$3,208/mo
Today · 4.125%
HK$107,891
baseline
▲ 0.50% · 4.625%
HK$114,456
+HK$6,565/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,782/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,945
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,974
−HK$3,073/mo
Today · 4.125%
HK$119,047
baseline
▲ 0.50% · 4.625%
HK$125,322
+HK$6,275/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,094/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,246 · Scale 2, in force from 26 Feb 2026)