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$56,406
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,160
−HK$1,783/mo
Today · 4.125%
HK$59,943
baseline
▲ 0.50% · 4.625%
HK$63,590
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,886/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,751
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,434
−HK$1,707/mo
Today · 4.125%
HK$66,141
baseline
▲ 0.50% · 4.625%
HK$69,627
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,282/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,687
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,792
−HK$2,139/mo
Today · 4.125%
HK$71,931
baseline
▲ 0.50% · 4.625%
HK$76,308
+HK$4,377/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,862/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,301
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,320
−HK$2,049/mo
Today · 4.125%
HK$79,369
baseline
▲ 0.50% · 4.625%
HK$83,553
+HK$4,184/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,738/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,968
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,424
−HK$2,496/mo
Today · 4.125%
HK$83,920
baseline
▲ 0.50% · 4.625%
HK$89,026
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,840/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,851
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,207
−HK$2,390/mo
Today · 4.125%
HK$92,597
baseline
▲ 0.50% · 4.625%
HK$97,478
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,194/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,530
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,688
−HK$3,209/mo
Today · 4.125%
HK$107,897
baseline
▲ 0.50% · 4.625%
HK$114,462
+HK$6,565/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,794/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,951
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,980
−HK$3,073/mo
Today · 4.125%
HK$119,053
baseline
▲ 0.50% · 4.625%
HK$125,329
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,106/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,301 · Scale 2, in force from 26 Feb 2026)