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$56,384
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,138
−HK$1,782/mo
Today · 4.125%
HK$59,920
baseline
▲ 0.50% · 4.625%
HK$63,566
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,840/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,726
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,706/mo
Today · 4.125%
HK$66,115
baseline
▲ 0.50% · 4.625%
HK$69,600
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,230/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,661
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,765
−HK$2,138/mo
Today · 4.125%
HK$71,903
baseline
▲ 0.50% · 4.625%
HK$76,279
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,806/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,272
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,290
−HK$2,048/mo
Today · 4.125%
HK$79,338
baseline
▲ 0.50% · 4.625%
HK$83,520
+HK$4,182/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,676/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,937
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,393
−HK$2,494/mo
Today · 4.125%
HK$83,887
baseline
▲ 0.50% · 4.625%
HK$88,992
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,774/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,817
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,172
−HK$2,389/mo
Today · 4.125%
HK$92,561
baseline
▲ 0.50% · 4.625%
HK$97,440
+HK$4,879/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,122/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,491
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,648
−HK$3,207/mo
Today · 4.125%
HK$107,855
baseline
▲ 0.50% · 4.625%
HK$114,418
+HK$6,563/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,710/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,908
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,936
−HK$3,072/mo
Today · 4.125%
HK$119,008
baseline
▲ 0.50% · 4.625%
HK$125,281
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$238,016/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,896 · Scale 2, in force from 26 Feb 2026)