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$56,400
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,155
−HK$1,782/mo
Today · 4.125%
HK$59,937
baseline
▲ 0.50% · 4.625%
HK$63,584
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,874/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,745
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,428
−HK$1,707/mo
Today · 4.125%
HK$66,135
baseline
▲ 0.50% · 4.625%
HK$69,621
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,270/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,680
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,786
−HK$2,138/mo
Today · 4.125%
HK$71,924
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$4,377/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,848/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,294
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,313
−HK$2,049/mo
Today · 4.125%
HK$79,362
baseline
▲ 0.50% · 4.625%
HK$83,545
+HK$4,183/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,724/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,960
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,416
−HK$2,496/mo
Today · 4.125%
HK$83,912
baseline
▲ 0.50% · 4.625%
HK$89,018
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,824/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,843
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,199
−HK$2,389/mo
Today · 4.125%
HK$92,588
baseline
▲ 0.50% · 4.625%
HK$97,469
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,176/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,520
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,678
−HK$3,209/mo
Today · 4.125%
HK$107,887
baseline
▲ 0.50% · 4.625%
HK$114,451
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,774/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,941
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,970
−HK$3,072/mo
Today · 4.125%
HK$119,042
baseline
▲ 0.50% · 4.625%
HK$125,317
+HK$6,275/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,084/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,203 · Scale 2, in force from 26 Feb 2026)