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$56,394
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,148
−HK$1,782/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,577
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,738
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,420
−HK$1,707/mo
Today · 4.125%
HK$66,127
baseline
▲ 0.50% · 4.625%
HK$69,613
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,254/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,673
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,778
−HK$2,139/mo
Today · 4.125%
HK$71,917
baseline
▲ 0.50% · 4.625%
HK$76,292
+HK$4,375/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,834/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,285
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,304
−HK$2,049/mo
Today · 4.125%
HK$79,353
baseline
▲ 0.50% · 4.625%
HK$83,536
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,706/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,952
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,407
−HK$2,496/mo
Today · 4.125%
HK$83,903
baseline
▲ 0.50% · 4.625%
HK$89,008
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,806/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,833
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,189
−HK$2,389/mo
Today · 4.125%
HK$92,578
baseline
▲ 0.50% · 4.625%
HK$97,458
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,156/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,509
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,667
−HK$3,208/mo
Today · 4.125%
HK$107,875
baseline
▲ 0.50% · 4.625%
HK$114,439
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,750/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,928
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,957
−HK$3,072/mo
Today · 4.125%
HK$119,029
baseline
▲ 0.50% · 4.625%
HK$125,303
+HK$6,274/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,058/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,087 · Scale 2, in force from 26 Feb 2026)