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$56,085
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,830
−HK$1,772/mo
Today · 4.125%
HK$59,602
baseline
▲ 0.50% · 4.625%
HK$63,229
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,204/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,394
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,068
−HK$1,697/mo
Today · 4.125%
HK$65,765
baseline
▲ 0.50% · 4.625%
HK$69,232
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,530/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,302
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,396
−HK$2,127/mo
Today · 4.125%
HK$71,523
baseline
▲ 0.50% · 4.625%
HK$75,875
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,046/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,873
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,881
−HK$2,037/mo
Today · 4.125%
HK$78,918
baseline
▲ 0.50% · 4.625%
HK$83,078
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,836/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,519
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,962
−HK$2,481/mo
Today · 4.125%
HK$83,443
baseline
▲ 0.50% · 4.625%
HK$88,521
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,886/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,352
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,695
−HK$2,376/mo
Today · 4.125%
HK$92,071
baseline
▲ 0.50% · 4.625%
HK$96,925
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,142/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,953
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,094
−HK$3,190/mo
Today · 4.125%
HK$107,284
baseline
▲ 0.50% · 4.625%
HK$113,812
+HK$6,528/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,568/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,310
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,322
−HK$3,055/mo
Today · 4.125%
HK$118,377
baseline
▲ 0.50% · 4.625%
HK$124,617
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,754/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,332 · Scale 2, in force from 26 Feb 2026)