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$56,479
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,236
−HK$1,785/mo
Today · 4.125%
HK$60,021
baseline
▲ 0.50% · 4.625%
HK$63,673
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,042/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,833
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,709/mo
Today · 4.125%
HK$66,227
baseline
▲ 0.50% · 4.625%
HK$69,718
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,454/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,775
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,883
−HK$2,142/mo
Today · 4.125%
HK$72,025
baseline
▲ 0.50% · 4.625%
HK$76,408
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,050/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,399
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,421
−HK$2,052/mo
Today · 4.125%
HK$79,473
baseline
▲ 0.50% · 4.625%
HK$83,662
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,946/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,071
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,530
−HK$2,499/mo
Today · 4.125%
HK$84,029
baseline
▲ 0.50% · 4.625%
HK$89,142
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,058/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,966
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,325
−HK$2,393/mo
Today · 4.125%
HK$92,718
baseline
▲ 0.50% · 4.625%
HK$97,605
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,436/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,663
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,825
−HK$3,213/mo
Today · 4.125%
HK$108,038
baseline
▲ 0.50% · 4.625%
HK$114,612
+HK$6,574/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,076/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,099
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,132
−HK$3,077/mo
Today · 4.125%
HK$119,209
baseline
▲ 0.50% · 4.625%
HK$125,493
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,418/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,674 · Scale 2, in force from 26 Feb 2026)