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$56,385
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,139
−HK$1,782/mo
Today · 4.125%
HK$59,921
baseline
▲ 0.50% · 4.625%
HK$63,567
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,842/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,728
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,410
−HK$1,707/mo
Today · 4.125%
HK$66,117
baseline
▲ 0.50% · 4.625%
HK$69,602
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,234/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,662
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,767
−HK$2,138/mo
Today · 4.125%
HK$71,905
baseline
▲ 0.50% · 4.625%
HK$76,281
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,810/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,274
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,292
−HK$2,048/mo
Today · 4.125%
HK$79,340
baseline
▲ 0.50% · 4.625%
HK$83,523
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,680/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,939
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,395
−HK$2,495/mo
Today · 4.125%
HK$83,890
baseline
▲ 0.50% · 4.625%
HK$88,994
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,780/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,819
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,175
−HK$2,389/mo
Today · 4.125%
HK$92,564
baseline
▲ 0.50% · 4.625%
HK$97,443
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,128/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,493
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,650
−HK$3,208/mo
Today · 4.125%
HK$107,858
baseline
▲ 0.50% · 4.625%
HK$114,421
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,716/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,910
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,939
−HK$3,072/mo
Today · 4.125%
HK$119,011
baseline
▲ 0.50% · 4.625%
HK$125,284
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$238,022/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,923 · Scale 2, in force from 26 Feb 2026)