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$56,043
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,786
−HK$1,772/mo
Today · 4.125%
HK$59,558
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,116/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,347
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,020
−HK$1,696/mo
Today · 4.125%
HK$65,716
baseline
▲ 0.50% · 4.625%
HK$69,180
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,432/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,252
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,344
−HK$2,125/mo
Today · 4.125%
HK$71,469
baseline
▲ 0.50% · 4.625%
HK$75,818
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,938/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,817
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,823
−HK$2,036/mo
Today · 4.125%
HK$78,859
baseline
▲ 0.50% · 4.625%
HK$83,016
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,718/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,460
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,901
−HK$2,480/mo
Today · 4.125%
HK$83,381
baseline
▲ 0.50% · 4.625%
HK$88,454
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,762/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,286
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,627
−HK$2,375/mo
Today · 4.125%
HK$92,002
baseline
▲ 0.50% · 4.625%
HK$96,852
+HK$4,850/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$184,004/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,878
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,015
−HK$3,189/mo
Today · 4.125%
HK$107,204
baseline
▲ 0.50% · 4.625%
HK$113,727
+HK$6,523/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,408/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,225
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,235
−HK$3,054/mo
Today · 4.125%
HK$118,289
baseline
▲ 0.50% · 4.625%
HK$124,524
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,578/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,547 · Scale 2, in force from 26 Feb 2026)