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$56,117
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,862
−HK$1,774/mo
Today · 4.125%
HK$59,636
baseline
▲ 0.50% · 4.625%
HK$63,265
+HK$3,629/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,272/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,430
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,104
−HK$1,698/mo
Today · 4.125%
HK$65,802
baseline
▲ 0.50% · 4.625%
HK$69,271
+HK$3,469/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,604/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,340
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,435
−HK$2,128/mo
Today · 4.125%
HK$71,563
baseline
▲ 0.50% · 4.625%
HK$75,918
+HK$4,355/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$143,126/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,915
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,925
−HK$2,038/mo
Today · 4.125%
HK$78,963
baseline
▲ 0.50% · 4.625%
HK$83,125
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$157,926/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,564
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,007
−HK$2,483/mo
Today · 4.125%
HK$83,490
baseline
▲ 0.50% · 4.625%
HK$88,571
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,980/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,401
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,745
−HK$2,378/mo
Today · 4.125%
HK$92,123
baseline
▲ 0.50% · 4.625%
HK$96,979
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,246/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,010
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,152
−HK$3,193/mo
Today · 4.125%
HK$107,345
baseline
▲ 0.50% · 4.625%
HK$113,876
+HK$6,531/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,690/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,373
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,387
−HK$3,057/mo
Today · 4.125%
HK$118,444
baseline
▲ 0.50% · 4.625%
HK$124,688
+HK$6,244/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,888/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,922 · Scale 2, in force from 26 Feb 2026)