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$56,389
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,782/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,572
+HK$3,647/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,732
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,415
−HK$1,707/mo
Today · 4.125%
HK$66,122
baseline
▲ 0.50% · 4.625%
HK$69,607
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,244/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,667
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,772
−HK$2,138/mo
Today · 4.125%
HK$71,910
baseline
▲ 0.50% · 4.625%
HK$76,286
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,820/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,279
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,298
−HK$2,048/mo
Today · 4.125%
HK$79,346
baseline
▲ 0.50% · 4.625%
HK$83,528
+HK$4,182/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,692/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,945
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,400
−HK$2,495/mo
Today · 4.125%
HK$83,895
baseline
▲ 0.50% · 4.625%
HK$89,000
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,790/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,825
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,181
−HK$2,389/mo
Today · 4.125%
HK$92,570
baseline
▲ 0.50% · 4.625%
HK$97,450
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,140/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,501
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,658
−HK$3,207/mo
Today · 4.125%
HK$107,865
baseline
▲ 0.50% · 4.625%
HK$114,429
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,730/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,918
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,947
−HK$3,072/mo
Today · 4.125%
HK$119,019
baseline
▲ 0.50% · 4.625%
HK$125,293
+HK$6,274/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,038/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,996 · Scale 2, in force from 26 Feb 2026)