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$56,400
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,154
−HK$1,783/mo
Today · 4.125%
HK$59,937
baseline
▲ 0.50% · 4.625%
HK$63,584
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,874/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,744
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,427
−HK$1,707/mo
Today · 4.125%
HK$66,134
baseline
▲ 0.50% · 4.625%
HK$69,620
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,268/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,680
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,785
−HK$2,139/mo
Today · 4.125%
HK$71,924
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$4,377/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,848/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,293
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,313
−HK$2,048/mo
Today · 4.125%
HK$79,361
baseline
▲ 0.50% · 4.625%
HK$83,544
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,722/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,960
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,416
−HK$2,496/mo
Today · 4.125%
HK$83,912
baseline
▲ 0.50% · 4.625%
HK$89,017
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,824/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,842
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,198
−HK$2,390/mo
Today · 4.125%
HK$92,588
baseline
▲ 0.50% · 4.625%
HK$97,469
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,176/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,520
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,678
−HK$3,208/mo
Today · 4.125%
HK$107,886
baseline
▲ 0.50% · 4.625%
HK$114,451
+HK$6,565/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,772/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,940
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,969
−HK$3,073/mo
Today · 4.125%
HK$119,042
baseline
▲ 0.50% · 4.625%
HK$125,317
+HK$6,275/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,084/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,199 · Scale 2, in force from 26 Feb 2026)