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$3,538/mo
▼ 0.25% · 3.875%
HK$58,161
−HK$1,783/mo
Today · 4.125%
HK$59,944
baseline
▲ 0.50% · 4.625%
HK$63,591
+HK$3,647/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,888/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,751
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,434
−HK$1,708/mo
Today · 4.125%
HK$66,142
baseline
▲ 0.50% · 4.625%
HK$69,628
+HK$3,486/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,284/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,688
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,793
−HK$2,139/mo
Today · 4.125%
HK$71,932
baseline
▲ 0.50% · 4.625%
HK$76,309
+HK$4,377/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$143,864/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,302
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,321
−HK$2,049/mo
Today · 4.125%
HK$79,370
baseline
▲ 0.50% · 4.625%
HK$83,554
+HK$4,184/mo
Deposit HK$9.89M · loan HK$14.84M · min. income ≈ HK$158,740/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,969
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,425
−HK$2,496/mo
Today · 4.125%
HK$83,921
baseline
▲ 0.50% · 4.625%
HK$89,027
+HK$5,106/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,842/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,852
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,208
−HK$2,390/mo
Today · 4.125%
HK$92,598
baseline
▲ 0.50% · 4.625%
HK$97,479
+HK$4,881/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,196/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,531
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,690
−HK$3,208/mo
Today · 4.125%
HK$107,898
baseline
▲ 0.50% · 4.625%
HK$114,464
+HK$6,566/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$215,796/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,953
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,982
−HK$3,073/mo
Today · 4.125%
HK$119,055
baseline
▲ 0.50% · 4.625%
HK$125,331
+HK$6,276/mo
Deposit HK$2.47M · loan HK$22.26M · min. income ≈ HK$238,110/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,051,316 · Scale 2, in force from 26 Feb 2026)