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$56,425
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,181
−HK$1,783/mo
Today · 4.125%
HK$59,964
baseline
▲ 0.50% · 4.625%
HK$63,612
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,928/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,773
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,456
−HK$1,708/mo
Today · 4.125%
HK$66,164
baseline
▲ 0.50% · 4.625%
HK$69,652
+HK$3,488/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,328/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,710
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,817
−HK$2,139/mo
Today · 4.125%
HK$71,956
baseline
▲ 0.50% · 4.625%
HK$76,335
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,912/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,327
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,050/mo
Today · 4.125%
HK$79,397
baseline
▲ 0.50% · 4.625%
HK$83,582
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,794/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,996
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,453
−HK$2,496/mo
Today · 4.125%
HK$83,949
baseline
▲ 0.50% · 4.625%
HK$89,057
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,898/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,882
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,239
−HK$2,391/mo
Today · 4.125%
HK$92,630
baseline
▲ 0.50% · 4.625%
HK$97,512
+HK$4,882/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,260/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,566
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,725
−HK$3,210/mo
Today · 4.125%
HK$107,935
baseline
▲ 0.50% · 4.625%
HK$114,502
+HK$6,567/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,870/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,991
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,021
−HK$3,074/mo
Today · 4.125%
HK$119,095
baseline
▲ 0.50% · 4.625%
HK$125,373
+HK$6,278/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,190/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,671 · Scale 2, in force from 26 Feb 2026)