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$56,346
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,099
−HK$1,781/mo
Today · 4.125%
HK$59,880
baseline
▲ 0.50% · 4.625%
HK$63,523
+HK$3,643/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,760/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,685
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,366
−HK$1,705/mo
Today · 4.125%
HK$66,071
baseline
▲ 0.50% · 4.625%
HK$69,554
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,142/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,719
−HK$2,137/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$76,228
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,221
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,239
−HK$2,046/mo
Today · 4.125%
HK$79,285
baseline
▲ 0.50% · 4.625%
HK$83,465
+HK$4,180/mo
Deposit HK$9.88M · loan HK$14.83M · min. income ≈ HK$158,570/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,885
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,338
−HK$2,493/mo
Today · 4.125%
HK$83,831
baseline
▲ 0.50% · 4.625%
HK$88,932
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,662/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,758
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,112
−HK$2,388/mo
Today · 4.125%
HK$92,500
baseline
▲ 0.50% · 4.625%
HK$97,376
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,000/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,423
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,578
−HK$3,205/mo
Today · 4.125%
HK$107,783
baseline
▲ 0.50% · 4.625%
HK$114,342
+HK$6,559/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,566/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,832
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,858
−HK$3,070/mo
Today · 4.125%
HK$118,928
baseline
▲ 0.50% · 4.625%
HK$125,197
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,856/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,195 · Scale 2, in force from 26 Feb 2026)