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$56,087
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,831
−HK$1,773/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$63,231
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,396
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,698/mo
Today · 4.125%
HK$65,767
baseline
▲ 0.50% · 4.625%
HK$69,234
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,534/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,304
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,398
−HK$2,127/mo
Today · 4.125%
HK$71,525
baseline
▲ 0.50% · 4.625%
HK$75,877
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,050/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,875
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,883
−HK$2,037/mo
Today · 4.125%
HK$78,920
baseline
▲ 0.50% · 4.625%
HK$83,080
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,840/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,521
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,964
−HK$2,481/mo
Today · 4.125%
HK$83,445
baseline
▲ 0.50% · 4.625%
HK$88,523
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,890/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,354
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,697
−HK$2,377/mo
Today · 4.125%
HK$92,074
baseline
▲ 0.50% · 4.625%
HK$96,927
+HK$4,853/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,148/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,956
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,096
−HK$3,191/mo
Today · 4.125%
HK$107,287
baseline
▲ 0.50% · 4.625%
HK$113,815
+HK$6,528/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,574/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,313
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,325
−HK$3,056/mo
Today · 4.125%
HK$118,381
baseline
▲ 0.50% · 4.625%
HK$124,621
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,762/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,360 · Scale 2, in force from 26 Feb 2026)