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$56,361
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,114
−HK$1,781/mo
Today · 4.125%
HK$59,895
baseline
▲ 0.50% · 4.625%
HK$63,540
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,790/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,701
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,706/mo
Today · 4.125%
HK$66,089
baseline
▲ 0.50% · 4.625%
HK$69,572
+HK$3,483/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,178/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,633
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,737
−HK$2,137/mo
Today · 4.125%
HK$71,874
baseline
▲ 0.50% · 4.625%
HK$76,248
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,748/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,241
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,259
−HK$2,047/mo
Today · 4.125%
HK$79,306
baseline
▲ 0.50% · 4.625%
HK$83,487
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,612/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,905
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,360
−HK$2,494/mo
Today · 4.125%
HK$83,854
baseline
▲ 0.50% · 4.625%
HK$88,956
+HK$5,102/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,708/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,782
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,136
−HK$2,388/mo
Today · 4.125%
HK$92,524
baseline
▲ 0.50% · 4.625%
HK$97,401
+HK$4,877/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,048/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,450
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,606
−HK$3,206/mo
Today · 4.125%
HK$107,812
baseline
▲ 0.50% · 4.625%
HK$114,372
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,624/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,862
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,889
−HK$3,071/mo
Today · 4.125%
HK$118,960
baseline
▲ 0.50% · 4.625%
HK$125,230
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,920/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,472 · Scale 2, in force from 26 Feb 2026)