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$56,210
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,958
−HK$1,777/mo
Today · 4.125%
HK$59,735
baseline
▲ 0.50% · 4.625%
HK$63,369
+HK$3,634/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,470/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,533
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,210
−HK$1,701/mo
Today · 4.125%
HK$65,911
baseline
▲ 0.50% · 4.625%
HK$69,385
+HK$3,474/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,822/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,452
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,550
−HK$2,131/mo
Today · 4.125%
HK$71,681
baseline
▲ 0.50% · 4.625%
HK$76,043
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,362/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,039
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,052
−HK$2,041/mo
Today · 4.125%
HK$79,093
baseline
▲ 0.50% · 4.625%
HK$83,262
+HK$4,169/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,186/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,694
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,141
−HK$2,487/mo
Today · 4.125%
HK$83,628
baseline
▲ 0.50% · 4.625%
HK$88,717
+HK$5,089/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,256/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,546
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,894
−HK$2,382/mo
Today · 4.125%
HK$92,276
baseline
▲ 0.50% · 4.625%
HK$97,140
+HK$4,864/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,552/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,177
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,325
−HK$3,197/mo
Today · 4.125%
HK$107,522
baseline
▲ 0.50% · 4.625%
HK$114,065
+HK$6,543/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,044/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,559
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,578
−HK$3,062/mo
Today · 4.125%
HK$118,640
baseline
▲ 0.50% · 4.625%
HK$124,894
+HK$6,254/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,280/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,650 · Scale 2, in force from 26 Feb 2026)