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$56,411
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,166
−HK$1,783/mo
Today · 4.125%
HK$59,949
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,898/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,757
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,440
−HK$1,707/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$69,634
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,693
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,799
−HK$2,139/mo
Today · 4.125%
HK$71,938
baseline
▲ 0.50% · 4.625%
HK$76,315
+HK$4,377/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,876/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,308
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,328
−HK$2,049/mo
Today · 4.125%
HK$79,377
baseline
▲ 0.50% · 4.625%
HK$83,561
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,754/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,975
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,432
−HK$2,496/mo
Today · 4.125%
HK$83,928
baseline
▲ 0.50% · 4.625%
HK$89,035
+HK$5,107/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,856/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,859
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,216
−HK$2,390/mo
Today · 4.125%
HK$92,606
baseline
▲ 0.50% · 4.625%
HK$97,488
+HK$4,882/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,212/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,540
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,698
−HK$3,209/mo
Today · 4.125%
HK$107,907
baseline
▲ 0.50% · 4.625%
HK$114,473
+HK$6,566/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,814/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,962
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,992
−HK$3,073/mo
Today · 4.125%
HK$119,065
baseline
▲ 0.50% · 4.625%
HK$125,341
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,130/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,404 · Scale 2, in force from 26 Feb 2026)