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$56,389
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,782/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,571
+HK$3,646/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,732
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,414
−HK$1,707/mo
Today · 4.125%
HK$66,121
baseline
▲ 0.50% · 4.625%
HK$69,606
+HK$3,485/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,242/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,666
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,771
−HK$2,138/mo
Today · 4.125%
HK$71,909
baseline
▲ 0.50% · 4.625%
HK$76,285
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,818/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,278
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,297
−HK$2,048/mo
Today · 4.125%
HK$79,345
baseline
▲ 0.50% · 4.625%
HK$83,527
+HK$4,182/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,690/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,944
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,400
−HK$2,494/mo
Today · 4.125%
HK$83,894
baseline
▲ 0.50% · 4.625%
HK$88,999
+HK$5,105/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,788/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,824
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,180
−HK$2,389/mo
Today · 4.125%
HK$92,569
baseline
▲ 0.50% · 4.625%
HK$97,449
+HK$4,880/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,138/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,499
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,657
−HK$3,207/mo
Today · 4.125%
HK$107,864
baseline
▲ 0.50% · 4.625%
HK$114,428
+HK$6,564/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,728/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,917
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,945
−HK$3,073/mo
Today · 4.125%
HK$119,018
baseline
▲ 0.50% · 4.625%
HK$125,291
+HK$6,273/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,036/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,984 · Scale 2, in force from 26 Feb 2026)