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$56,107
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,853
−HK$1,773/mo
Today · 4.125%
HK$59,626
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,252/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,419
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,093
−HK$1,698/mo
Today · 4.125%
HK$65,791
baseline
▲ 0.50% · 4.625%
HK$69,259
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,582/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,329
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,423
−HK$2,128/mo
Today · 4.125%
HK$71,551
baseline
▲ 0.50% · 4.625%
HK$75,905
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,102/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,903
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,912
−HK$2,037/mo
Today · 4.125%
HK$78,949
baseline
▲ 0.50% · 4.625%
HK$83,111
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,898/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,550
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,994
−HK$2,482/mo
Today · 4.125%
HK$83,476
baseline
▲ 0.50% · 4.625%
HK$88,555
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,952/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,386
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,730
−HK$2,378/mo
Today · 4.125%
HK$92,108
baseline
▲ 0.50% · 4.625%
HK$96,963
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,216/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,993
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,135
−HK$3,192/mo
Today · 4.125%
HK$107,327
baseline
▲ 0.50% · 4.625%
HK$113,857
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,654/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,354
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,367
−HK$3,057/mo
Today · 4.125%
HK$118,424
baseline
▲ 0.50% · 4.625%
HK$124,667
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,848/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,745 · Scale 2, in force from 26 Feb 2026)