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$56,017
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,759
−HK$1,771/mo
Today · 4.125%
HK$59,530
baseline
▲ 0.50% · 4.625%
HK$63,152
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,060/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,318
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,990
−HK$1,695/mo
Today · 4.125%
HK$65,685
baseline
▲ 0.50% · 4.625%
HK$69,148
+HK$3,463/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,370/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,220
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$2,125/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,782
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,788
−HK$2,034/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$82,977
+HK$4,155/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,424
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,863
−HK$2,479/mo
Today · 4.125%
HK$83,342
baseline
▲ 0.50% · 4.625%
HK$88,413
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,684/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,246
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,586
−HK$2,373/mo
Today · 4.125%
HK$91,959
baseline
▲ 0.50% · 4.625%
HK$96,807
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,918/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,831
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,967
−HK$3,186/mo
Today · 4.125%
HK$107,153
baseline
▲ 0.50% · 4.625%
HK$113,674
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,306/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,173
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,181
−HK$3,052/mo
Today · 4.125%
HK$118,233
baseline
▲ 0.50% · 4.625%
HK$124,466
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,466/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,059 · Scale 2, in force from 26 Feb 2026)