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$56,571
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,330
−HK$1,788/mo
Today · 4.125%
HK$60,118
baseline
▲ 0.50% · 4.625%
HK$63,776
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,236/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,934
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,622
−HK$1,712/mo
Today · 4.125%
HK$66,334
baseline
▲ 0.50% · 4.625%
HK$69,831
+HK$3,497/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,668/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,885
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,996
−HK$2,146/mo
Today · 4.125%
HK$72,142
baseline
▲ 0.50% · 4.625%
HK$76,531
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$144,284/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,521
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,546
−HK$2,055/mo
Today · 4.125%
HK$79,601
baseline
▲ 0.50% · 4.625%
HK$83,797
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.89M · min. income ≈ HK$159,202/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,199
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,662
−HK$2,503/mo
Today · 4.125%
HK$84,165
baseline
▲ 0.50% · 4.625%
HK$89,286
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,330/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,108
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,471
−HK$2,397/mo
Today · 4.125%
HK$92,868
baseline
▲ 0.50% · 4.625%
HK$97,763
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,736/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,827
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,994
−HK$3,218/mo
Today · 4.125%
HK$108,212
baseline
▲ 0.50% · 4.625%
HK$114,797
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,424/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,281
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,320
−HK$3,082/mo
Today · 4.125%
HK$119,402
baseline
▲ 0.50% · 4.625%
HK$125,695
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,804/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,376 · Scale 2, in force from 26 Feb 2026)