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$56,113
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,859
−HK$1,773/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$63,260
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,425
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,099
−HK$1,699/mo
Today · 4.125%
HK$65,798
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,596/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,336
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,430
−HK$2,128/mo
Today · 4.125%
HK$71,558
baseline
▲ 0.50% · 4.625%
HK$75,912
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,116/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,910
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,919
−HK$2,038/mo
Today · 4.125%
HK$78,957
baseline
▲ 0.50% · 4.625%
HK$83,119
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,914/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,558
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,002
−HK$2,483/mo
Today · 4.125%
HK$83,485
baseline
▲ 0.50% · 4.625%
HK$88,564
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,970/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,395
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,739
−HK$2,378/mo
Today · 4.125%
HK$92,117
baseline
▲ 0.50% · 4.625%
HK$96,973
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,234/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,004
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,145
−HK$3,192/mo
Today · 4.125%
HK$107,337
baseline
▲ 0.50% · 4.625%
HK$113,869
+HK$6,532/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,674/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,365
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,379
−HK$3,057/mo
Today · 4.125%
HK$118,436
baseline
▲ 0.50% · 4.625%
HK$124,679
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,872/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,850 · Scale 2, in force from 26 Feb 2026)