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$56,008
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,750
−HK$1,770/mo
Today · 4.125%
HK$59,520
baseline
▲ 0.50% · 4.625%
HK$63,142
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,040/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,308
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,979
−HK$1,696/mo
Today · 4.125%
HK$65,675
baseline
▲ 0.50% · 4.625%
HK$69,136
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,350/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,210
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,300
−HK$2,124/mo
Today · 4.125%
HK$71,424
baseline
▲ 0.50% · 4.625%
HK$75,770
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,848/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,770
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,775
−HK$2,035/mo
Today · 4.125%
HK$78,810
baseline
▲ 0.50% · 4.625%
HK$82,964
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,620/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,411
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,850
−HK$2,478/mo
Today · 4.125%
HK$83,328
baseline
▲ 0.50% · 4.625%
HK$88,399
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,656/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,232
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,571
−HK$2,373/mo
Today · 4.125%
HK$91,944
baseline
▲ 0.50% · 4.625%
HK$96,791
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,888/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,814
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,950
−HK$3,186/mo
Today · 4.125%
HK$107,136
baseline
▲ 0.50% · 4.625%
HK$113,655
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,272/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,155
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,163
−HK$3,051/mo
Today · 4.125%
HK$118,214
baseline
▲ 0.50% · 4.625%
HK$124,446
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,428/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,891 · Scale 2, in force from 26 Feb 2026)