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$56,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,765
−HK$1,770/mo
Today · 4.125%
HK$59,535
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,623/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,070/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,324
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,996
−HK$1,695/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,463/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,227
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,318
−HK$2,124/mo
Today · 4.125%
HK$71,442
baseline
▲ 0.50% · 4.625%
HK$75,790
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,884/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,789
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,795
−HK$2,035/mo
Today · 4.125%
HK$78,830
baseline
▲ 0.50% · 4.625%
HK$82,985
+HK$4,155/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,660/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,431
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,871
−HK$2,478/mo
Today · 4.125%
HK$83,349
baseline
▲ 0.50% · 4.625%
HK$88,421
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,698/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,254
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,594
−HK$2,374/mo
Today · 4.125%
HK$91,968
baseline
▲ 0.50% · 4.625%
HK$96,816
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,936/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,840
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,977
−HK$3,187/mo
Today · 4.125%
HK$107,164
baseline
▲ 0.50% · 4.625%
HK$113,684
+HK$6,520/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,328/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,184
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,192
−HK$3,053/mo
Today · 4.125%
HK$118,245
baseline
▲ 0.50% · 4.625%
HK$124,477
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,490/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,158 · Scale 2, in force from 26 Feb 2026)