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$56,449
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,784/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,640
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,484
−HK$1,708/mo
Today · 4.125%
HK$66,192
baseline
▲ 0.50% · 4.625%
HK$69,681
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,384/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$2,141/mo
Today · 4.125%
HK$71,987
baseline
▲ 0.50% · 4.625%
HK$76,367
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,974/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,359
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,380
−HK$2,051/mo
Today · 4.125%
HK$79,431
baseline
▲ 0.50% · 4.625%
HK$83,618
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,862/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,029
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,488
−HK$2,497/mo
Today · 4.125%
HK$83,985
baseline
▲ 0.50% · 4.625%
HK$89,095
+HK$5,110/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,970/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,919
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,277
−HK$2,392/mo
Today · 4.125%
HK$92,669
baseline
▲ 0.50% · 4.625%
HK$97,554
+HK$4,885/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,338/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,609
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,770
−HK$3,211/mo
Today · 4.125%
HK$107,981
baseline
▲ 0.50% · 4.625%
HK$114,551
+HK$6,570/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,962/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,039
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,071
−HK$3,075/mo
Today · 4.125%
HK$119,146
baseline
▲ 0.50% · 4.625%
HK$125,427
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,292/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,120 · Scale 2, in force from 26 Feb 2026)