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$56,482
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,239
−HK$1,785/mo
Today · 4.125%
HK$60,024
baseline
▲ 0.50% · 4.625%
HK$63,677
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,048/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,836
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,521
−HK$1,710/mo
Today · 4.125%
HK$66,231
baseline
▲ 0.50% · 4.625%
HK$69,722
+HK$3,491/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,462/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,779
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,887
−HK$2,142/mo
Today · 4.125%
HK$72,029
baseline
▲ 0.50% · 4.625%
HK$76,412
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,058/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,403
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,425
−HK$2,052/mo
Today · 4.125%
HK$79,477
baseline
▲ 0.50% · 4.625%
HK$83,666
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,954/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,075
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,535
−HK$2,499/mo
Today · 4.125%
HK$84,034
baseline
▲ 0.50% · 4.625%
HK$89,147
+HK$5,113/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,068/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,970
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,330
−HK$2,393/mo
Today · 4.125%
HK$92,723
baseline
▲ 0.50% · 4.625%
HK$97,611
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,446/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,668
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,831
−HK$3,213/mo
Today · 4.125%
HK$108,044
baseline
▲ 0.50% · 4.625%
HK$114,618
+HK$6,574/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,088/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,105
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,138
−HK$3,077/mo
Today · 4.125%
HK$119,215
baseline
▲ 0.50% · 4.625%
HK$125,499
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,430/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,732 · Scale 2, in force from 26 Feb 2026)