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$56,411
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,165
−HK$1,783/mo
Today · 4.125%
HK$59,948
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,896/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,756
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,439
−HK$1,708/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,693
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,798
−HK$2,140/mo
Today · 4.125%
HK$71,938
baseline
▲ 0.50% · 4.625%
HK$76,315
+HK$4,377/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,876/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,308
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,327
−HK$2,049/mo
Today · 4.125%
HK$79,376
baseline
▲ 0.50% · 4.625%
HK$83,560
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,752/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,975
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,431
−HK$2,496/mo
Today · 4.125%
HK$83,927
baseline
▲ 0.50% · 4.625%
HK$89,034
+HK$5,107/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,854/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,859
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,215
−HK$2,391/mo
Today · 4.125%
HK$92,606
baseline
▲ 0.50% · 4.625%
HK$97,487
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,212/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,539
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,698
−HK$3,209/mo
Today · 4.125%
HK$107,907
baseline
▲ 0.50% · 4.625%
HK$114,472
+HK$6,565/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,814/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,961
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,991
−HK$3,073/mo
Today · 4.125%
HK$119,064
baseline
▲ 0.50% · 4.625%
HK$125,340
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,128/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,396 · Scale 2, in force from 26 Feb 2026)