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$56,342
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,094
−HK$1,781/mo
Today · 4.125%
HK$59,875
baseline
▲ 0.50% · 4.625%
HK$63,518
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,750/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,680
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,361
−HK$1,705/mo
Today · 4.125%
HK$66,066
baseline
▲ 0.50% · 4.625%
HK$69,549
+HK$3,483/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,132/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,610
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$2,137/mo
Today · 4.125%
HK$71,850
baseline
▲ 0.50% · 4.625%
HK$76,222
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,700/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,216
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,233
−HK$2,046/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$83,458
+HK$4,179/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,879
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,332
−HK$2,493/mo
Today · 4.125%
HK$83,825
baseline
▲ 0.50% · 4.625%
HK$88,926
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,650/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,752
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,105
−HK$2,388/mo
Today · 4.125%
HK$92,493
baseline
▲ 0.50% · 4.625%
HK$97,368
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$184,986/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,415
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,570
−HK$3,205/mo
Today · 4.125%
HK$107,775
baseline
▲ 0.50% · 4.625%
HK$114,333
+HK$6,558/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,550/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,824
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,849
−HK$3,070/mo
Today · 4.125%
HK$118,919
baseline
▲ 0.50% · 4.625%
HK$125,187
+HK$6,268/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,838/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,114 · Scale 2, in force from 26 Feb 2026)