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$56,359
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,781/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,538
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,699
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,381
−HK$1,706/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,631
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,735
−HK$2,137/mo
Today · 4.125%
HK$71,872
baseline
▲ 0.50% · 4.625%
HK$76,245
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,744/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,239
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,257
−HK$2,047/mo
Today · 4.125%
HK$79,304
baseline
▲ 0.50% · 4.625%
HK$83,484
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,608/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,903
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,357
−HK$2,494/mo
Today · 4.125%
HK$83,851
baseline
▲ 0.50% · 4.625%
HK$88,953
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,702/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,779
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,133
−HK$2,388/mo
Today · 4.125%
HK$92,521
baseline
▲ 0.50% · 4.625%
HK$97,398
+HK$4,877/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,042/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,447
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,602
−HK$3,206/mo
Today · 4.125%
HK$107,808
baseline
▲ 0.50% · 4.625%
HK$114,368
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,616/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,858
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,885
−HK$3,071/mo
Today · 4.125%
HK$118,956
baseline
▲ 0.50% · 4.625%
HK$125,226
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,912/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,439 · Scale 2, in force from 26 Feb 2026)