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$56,409
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,163
−HK$1,783/mo
Today · 4.125%
HK$59,946
baseline
▲ 0.50% · 4.625%
HK$63,594
+HK$3,648/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,892/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,754
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,437
−HK$1,707/mo
Today · 4.125%
HK$66,144
baseline
▲ 0.50% · 4.625%
HK$69,631
+HK$3,487/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,288/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,690
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,796
−HK$2,139/mo
Today · 4.125%
HK$71,935
baseline
▲ 0.50% · 4.625%
HK$76,312
+HK$4,377/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$143,870/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,305
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,324
−HK$2,049/mo
Today · 4.125%
HK$79,373
baseline
▲ 0.50% · 4.625%
HK$83,557
+HK$4,184/mo
Deposit HK$9.90M · loan HK$14.84M · min. income ≈ HK$158,746/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,972
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,429
−HK$2,495/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$89,031
+HK$5,107/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,856
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,212
−HK$2,390/mo
Today · 4.125%
HK$92,602
baseline
▲ 0.50% · 4.625%
HK$97,483
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,204/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,536
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,694
−HK$3,209/mo
Today · 4.125%
HK$107,903
baseline
▲ 0.50% · 4.625%
HK$114,468
+HK$6,565/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,806/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,957
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,987
−HK$3,073/mo
Today · 4.125%
HK$119,060
baseline
▲ 0.50% · 4.625%
HK$125,336
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,120/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,359 · Scale 2, in force from 26 Feb 2026)