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$56,045
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,788
−HK$1,772/mo
Today · 4.125%
HK$59,560
baseline
▲ 0.50% · 4.625%
HK$63,184
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,120/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,350
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,022
−HK$1,696/mo
Today · 4.125%
HK$65,718
baseline
▲ 0.50% · 4.625%
HK$69,182
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,436/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,254
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,346
−HK$2,126/mo
Today · 4.125%
HK$71,472
baseline
▲ 0.50% · 4.625%
HK$75,820
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,944/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,819
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,826
−HK$2,036/mo
Today · 4.125%
HK$78,862
baseline
▲ 0.50% · 4.625%
HK$83,019
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,724/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,463
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,904
−HK$2,479/mo
Today · 4.125%
HK$83,383
baseline
▲ 0.50% · 4.625%
HK$88,457
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,766/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,289
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,630
−HK$2,375/mo
Today · 4.125%
HK$92,005
baseline
▲ 0.50% · 4.625%
HK$96,855
+HK$4,850/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$184,010/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,881
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,019
−HK$3,188/mo
Today · 4.125%
HK$107,207
baseline
▲ 0.50% · 4.625%
HK$113,731
+HK$6,524/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,414/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,229
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,239
−HK$3,054/mo
Today · 4.125%
HK$118,293
baseline
▲ 0.50% · 4.625%
HK$124,528
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,586/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,583 · Scale 2, in force from 26 Feb 2026)