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$56,457
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,214
−HK$1,784/mo
Today · 4.125%
HK$59,998
baseline
▲ 0.50% · 4.625%
HK$63,648
+HK$3,650/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,996/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,808
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,493
−HK$1,709/mo
Today · 4.125%
HK$66,202
baseline
▲ 0.50% · 4.625%
HK$69,691
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,404/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,749
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,856
−HK$2,141/mo
Today · 4.125%
HK$71,997
baseline
▲ 0.50% · 4.625%
HK$76,378
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$143,994/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,370
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,391
−HK$2,051/mo
Today · 4.125%
HK$79,442
baseline
▲ 0.50% · 4.625%
HK$83,629
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,884/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,040
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,499
−HK$2,498/mo
Today · 4.125%
HK$83,997
baseline
▲ 0.50% · 4.625%
HK$89,108
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,994/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,932
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,290
−HK$2,392/mo
Today · 4.125%
HK$92,682
baseline
▲ 0.50% · 4.625%
HK$97,568
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,364/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,623
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,784
−HK$3,212/mo
Today · 4.125%
HK$107,996
baseline
▲ 0.50% · 4.625%
HK$114,567
+HK$6,571/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,992/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,055
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,087
−HK$3,076/mo
Today · 4.125%
HK$119,163
baseline
▲ 0.50% · 4.625%
HK$125,444
+HK$6,281/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,326/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,268 · Scale 2, in force from 26 Feb 2026)