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$56,113
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,859
−HK$1,773/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$63,261
+HK$3,629/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,425
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,100
−HK$1,698/mo
Today · 4.125%
HK$65,798
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,596/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,336
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,430
−HK$2,128/mo
Today · 4.125%
HK$71,558
baseline
▲ 0.50% · 4.625%
HK$75,913
+HK$4,355/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,116/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,911
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,920
−HK$2,038/mo
Today · 4.125%
HK$78,958
baseline
▲ 0.50% · 4.625%
HK$83,120
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,916/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,559
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,002
−HK$2,483/mo
Today · 4.125%
HK$83,485
baseline
▲ 0.50% · 4.625%
HK$88,565
+HK$5,080/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,970/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,396
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,740
−HK$2,377/mo
Today · 4.125%
HK$92,117
baseline
▲ 0.50% · 4.625%
HK$96,973
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,234/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,004
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,146
−HK$3,192/mo
Today · 4.125%
HK$107,338
baseline
▲ 0.50% · 4.625%
HK$113,869
+HK$6,531/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,676/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,366
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,379
−HK$3,058/mo
Today · 4.125%
HK$118,437
baseline
▲ 0.50% · 4.625%
HK$124,680
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,874/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,854 · Scale 2, in force from 26 Feb 2026)