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$56,225
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,974
−HK$1,777/mo
Today · 4.125%
HK$59,751
baseline
▲ 0.50% · 4.625%
HK$63,386
+HK$3,635/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,502/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,550
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,227
−HK$1,702/mo
Today · 4.125%
HK$65,929
baseline
▲ 0.50% · 4.625%
HK$69,404
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,858/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,470
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,569
−HK$2,132/mo
Today · 4.125%
HK$71,701
baseline
▲ 0.50% · 4.625%
HK$76,064
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,402/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,060
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,073
−HK$2,042/mo
Today · 4.125%
HK$79,115
baseline
▲ 0.50% · 4.625%
HK$83,285
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,230/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,715
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,163
−HK$2,488/mo
Today · 4.125%
HK$83,651
baseline
▲ 0.50% · 4.625%
HK$88,741
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,302/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,570
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,918
−HK$2,383/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,166
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,205
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,353
−HK$3,198/mo
Today · 4.125%
HK$107,551
baseline
▲ 0.50% · 4.625%
HK$114,096
+HK$6,545/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,102/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,589
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,609
−HK$3,063/mo
Today · 4.125%
HK$118,672
baseline
▲ 0.50% · 4.625%
HK$124,928
+HK$6,256/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,344/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,935 · Scale 2, in force from 26 Feb 2026)