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$56,404
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,783/mo
Today · 4.125%
HK$59,941
baseline
▲ 0.50% · 4.625%
HK$63,588
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,882/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,748
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,431
−HK$1,708/mo
Today · 4.125%
HK$66,139
baseline
▲ 0.50% · 4.625%
HK$69,625
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,278/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,684
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,790
−HK$2,139/mo
Today · 4.125%
HK$71,929
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$4,376/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,858/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,298
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,318
−HK$2,048/mo
Today · 4.125%
HK$79,366
baseline
▲ 0.50% · 4.625%
HK$83,550
+HK$4,184/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,732/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,965
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,421
−HK$2,496/mo
Today · 4.125%
HK$83,917
baseline
▲ 0.50% · 4.625%
HK$89,023
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,834/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,848
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,204
−HK$2,390/mo
Today · 4.125%
HK$92,594
baseline
▲ 0.50% · 4.625%
HK$97,475
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,188/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,526
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,684
−HK$3,209/mo
Today · 4.125%
HK$107,893
baseline
▲ 0.50% · 4.625%
HK$114,458
+HK$6,565/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,786/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,947
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,976
−HK$3,073/mo
Today · 4.125%
HK$119,049
baseline
▲ 0.50% · 4.625%
HK$125,325
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,098/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,265 · Scale 2, in force from 26 Feb 2026)