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$56,099
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,844
−HK$1,773/mo
Today · 4.125%
HK$59,617
baseline
▲ 0.50% · 4.625%
HK$63,245
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,234/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,410
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,698/mo
Today · 4.125%
HK$65,782
baseline
▲ 0.50% · 4.625%
HK$69,249
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,564/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,319
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,413
−HK$2,128/mo
Today · 4.125%
HK$71,541
baseline
▲ 0.50% · 4.625%
HK$75,894
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,082/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,892
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,901
−HK$2,037/mo
Today · 4.125%
HK$78,938
baseline
▲ 0.50% · 4.625%
HK$83,099
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,876/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,539
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,982
−HK$2,482/mo
Today · 4.125%
HK$83,464
baseline
▲ 0.50% · 4.625%
HK$88,543
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,928/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,374
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,717
−HK$2,378/mo
Today · 4.125%
HK$92,095
baseline
▲ 0.50% · 4.625%
HK$96,949
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,190/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,979
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,120
−HK$3,191/mo
Today · 4.125%
HK$107,311
baseline
▲ 0.50% · 4.625%
HK$113,841
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,622/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,338
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,351
−HK$3,056/mo
Today · 4.125%
HK$118,407
baseline
▲ 0.50% · 4.625%
HK$124,649
+HK$6,242/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,814/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,595 · Scale 2, in force from 26 Feb 2026)