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$56,492
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,785/mo
Today · 4.125%
HK$60,034
baseline
▲ 0.50% · 4.625%
HK$63,687
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,068/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,846
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,532
−HK$1,710/mo
Today · 4.125%
HK$66,242
baseline
▲ 0.50% · 4.625%
HK$69,734
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,484/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,790
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$2,142/mo
Today · 4.125%
HK$72,041
baseline
▲ 0.50% · 4.625%
HK$76,425
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,082/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,416
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,438
−HK$2,052/mo
Today · 4.125%
HK$79,490
baseline
▲ 0.50% · 4.625%
HK$83,680
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,980/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,088
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,548
−HK$2,500/mo
Today · 4.125%
HK$84,048
baseline
▲ 0.50% · 4.625%
HK$89,162
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,096/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,985
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,345
−HK$2,394/mo
Today · 4.125%
HK$92,739
baseline
▲ 0.50% · 4.625%
HK$97,627
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,478/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,685
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,848
−HK$3,214/mo
Today · 4.125%
HK$108,062
baseline
▲ 0.50% · 4.625%
HK$114,637
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,124/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,124
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,158
−HK$3,077/mo
Today · 4.125%
HK$119,235
baseline
▲ 0.50% · 4.625%
HK$125,520
+HK$6,285/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,470/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,907 · Scale 2, in force from 26 Feb 2026)