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$56,026
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,769
−HK$1,770/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$63,162
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,328
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,000
−HK$1,696/mo
Today · 4.125%
HK$65,696
baseline
▲ 0.50% · 4.625%
HK$69,159
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,392/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,231
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$2,124/mo
Today · 4.125%
HK$71,447
baseline
▲ 0.50% · 4.625%
HK$75,795
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,894/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,794
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,035/mo
Today · 4.125%
HK$78,835
baseline
▲ 0.50% · 4.625%
HK$82,991
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,670/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,437
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,876
−HK$2,479/mo
Today · 4.125%
HK$83,355
baseline
▲ 0.50% · 4.625%
HK$88,427
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,710/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,260
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,600
−HK$2,374/mo
Today · 4.125%
HK$91,974
baseline
▲ 0.50% · 4.625%
HK$96,822
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,948/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,847
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$3,187/mo
Today · 4.125%
HK$107,171
baseline
▲ 0.50% · 4.625%
HK$113,692
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,342/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,191
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,200
−HK$3,053/mo
Today · 4.125%
HK$118,253
baseline
▲ 0.50% · 4.625%
HK$124,486
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,506/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,230 · Scale 2, in force from 26 Feb 2026)