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$56,409
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,164
−HK$1,782/mo
Today · 4.125%
HK$59,946
baseline
▲ 0.50% · 4.625%
HK$63,594
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,892/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,754
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,437
−HK$1,708/mo
Today · 4.125%
HK$66,145
baseline
▲ 0.50% · 4.625%
HK$69,631
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,290/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,691
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,796
−HK$2,140/mo
Today · 4.125%
HK$71,936
baseline
▲ 0.50% · 4.625%
HK$76,313
+HK$4,377/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,872/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,305
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,325
−HK$2,049/mo
Today · 4.125%
HK$79,374
baseline
▲ 0.50% · 4.625%
HK$83,558
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,748/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,972
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,429
−HK$2,496/mo
Today · 4.125%
HK$83,925
baseline
▲ 0.50% · 4.625%
HK$89,031
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,850/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,856
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,212
−HK$2,391/mo
Today · 4.125%
HK$92,603
baseline
▲ 0.50% · 4.625%
HK$97,484
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,206/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,536
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,694
−HK$3,209/mo
Today · 4.125%
HK$107,903
baseline
▲ 0.50% · 4.625%
HK$114,469
+HK$6,566/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,806/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,958
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,987
−HK$3,074/mo
Today · 4.125%
HK$119,061
baseline
▲ 0.50% · 4.625%
HK$125,336
+HK$6,275/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,122/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,364 · Scale 2, in force from 26 Feb 2026)