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$56,226
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,975
−HK$1,777/mo
Today · 4.125%
HK$59,752
baseline
▲ 0.50% · 4.625%
HK$63,388
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,504/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,551
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,229
−HK$1,702/mo
Today · 4.125%
HK$65,931
baseline
▲ 0.50% · 4.625%
HK$69,406
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,862/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,471
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,570
−HK$2,132/mo
Today · 4.125%
HK$71,702
baseline
▲ 0.50% · 4.625%
HK$76,065
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,404/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,061
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,074
−HK$2,043/mo
Today · 4.125%
HK$79,117
baseline
▲ 0.50% · 4.625%
HK$83,287
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,234/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,717
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,165
−HK$2,488/mo
Today · 4.125%
HK$83,653
baseline
▲ 0.50% · 4.625%
HK$88,743
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,306/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,572
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,920
−HK$2,383/mo
Today · 4.125%
HK$92,303
baseline
▲ 0.50% · 4.625%
HK$97,168
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,606/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,207
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,355
−HK$3,199/mo
Today · 4.125%
HK$107,554
baseline
▲ 0.50% · 4.625%
HK$114,098
+HK$6,544/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,108/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,592
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,612
−HK$3,063/mo
Today · 4.125%
HK$118,675
baseline
▲ 0.50% · 4.625%
HK$124,930
+HK$6,255/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,350/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,959 · Scale 2, in force from 26 Feb 2026)