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$55,995
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,770/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$63,127
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,293
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,964
−HK$1,695/mo
Today · 4.125%
HK$65,659
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,318/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,193
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,284
−HK$2,123/mo
Today · 4.125%
HK$71,407
baseline
▲ 0.50% · 4.625%
HK$75,752
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,814/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,752
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,757
−HK$2,034/mo
Today · 4.125%
HK$78,791
baseline
▲ 0.50% · 4.625%
HK$82,944
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,582/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,392
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,477/mo
Today · 4.125%
HK$83,308
baseline
▲ 0.50% · 4.625%
HK$88,377
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,616/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,211
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,550
−HK$2,372/mo
Today · 4.125%
HK$91,922
baseline
▲ 0.50% · 4.625%
HK$96,768
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,844/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,790
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,925
−HK$3,186/mo
Today · 4.125%
HK$107,111
baseline
▲ 0.50% · 4.625%
HK$113,628
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,222/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,128
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,135
−HK$3,051/mo
Today · 4.125%
HK$118,186
baseline
▲ 0.50% · 4.625%
HK$124,416
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,372/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,641 · Scale 2, in force from 26 Feb 2026)