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$56,362
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,115
−HK$1,782/mo
Today · 4.125%
HK$59,897
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,794/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,702
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,384
−HK$1,706/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$69,574
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,635
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,738
−HK$2,138/mo
Today · 4.125%
HK$71,876
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,752/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,243
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,261
−HK$2,047/mo
Today · 4.125%
HK$79,308
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,616/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,907
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,361
−HK$2,494/mo
Today · 4.125%
HK$83,855
baseline
▲ 0.50% · 4.625%
HK$88,957
+HK$5,102/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,710/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,783
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,137
−HK$2,389/mo
Today · 4.125%
HK$92,526
baseline
▲ 0.50% · 4.625%
HK$97,403
+HK$4,877/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,052/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,452
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,608
−HK$3,206/mo
Today · 4.125%
HK$107,814
baseline
▲ 0.50% · 4.625%
HK$114,374
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,628/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,864
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,891
−HK$3,071/mo
Today · 4.125%
HK$118,962
baseline
▲ 0.50% · 4.625%
HK$125,232
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,924/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,492 · Scale 2, in force from 26 Feb 2026)