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$56,066
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,810
−HK$1,772/mo
Today · 4.125%
HK$59,582
baseline
▲ 0.50% · 4.625%
HK$63,207
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,164/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,373
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,045
−HK$1,697/mo
Today · 4.125%
HK$65,742
baseline
▲ 0.50% · 4.625%
HK$69,208
+HK$3,466/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,484/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,372
−HK$2,126/mo
Today · 4.125%
HK$71,498
baseline
▲ 0.50% · 4.625%
HK$75,848
+HK$4,350/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,996/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,847
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,854
−HK$2,037/mo
Today · 4.125%
HK$78,891
baseline
▲ 0.50% · 4.625%
HK$83,049
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,782/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,492
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,934
−HK$2,480/mo
Today · 4.125%
HK$83,414
baseline
▲ 0.50% · 4.625%
HK$88,490
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,828/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,322
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,663
−HK$2,376/mo
Today · 4.125%
HK$92,039
baseline
▲ 0.50% · 4.625%
HK$96,891
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,078/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,918
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,057
−HK$3,190/mo
Today · 4.125%
HK$107,247
baseline
▲ 0.50% · 4.625%
HK$113,772
+HK$6,525/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,494/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,271
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,282
−HK$3,054/mo
Today · 4.125%
HK$118,336
baseline
▲ 0.50% · 4.625%
HK$124,574
+HK$6,238/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,672/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,967 · Scale 2, in force from 26 Feb 2026)