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$56,372
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,125
−HK$1,782/mo
Today · 4.125%
HK$59,907
baseline
▲ 0.50% · 4.625%
HK$63,552
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,814/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,706/mo
Today · 4.125%
HK$66,101
baseline
▲ 0.50% · 4.625%
HK$69,585
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,202/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,646
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,750
−HK$2,138/mo
Today · 4.125%
HK$71,888
baseline
▲ 0.50% · 4.625%
HK$76,262
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,776/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,255
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,274
−HK$2,047/mo
Today · 4.125%
HK$79,321
baseline
▲ 0.50% · 4.625%
HK$83,502
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,642/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,920
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,375
−HK$2,494/mo
Today · 4.125%
HK$83,869
baseline
▲ 0.50% · 4.625%
HK$88,973
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,738/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,798
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,153
−HK$2,388/mo
Today · 4.125%
HK$92,541
baseline
▲ 0.50% · 4.625%
HK$97,419
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,082/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,469
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,625
−HK$3,207/mo
Today · 4.125%
HK$107,832
baseline
▲ 0.50% · 4.625%
HK$114,393
+HK$6,561/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,664/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,883
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,911
−HK$3,071/mo
Today · 4.125%
HK$118,982
baseline
▲ 0.50% · 4.625%
HK$125,254
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,964/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,669 · Scale 2, in force from 26 Feb 2026)