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$56,297
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,048
−HK$1,779/mo
Today · 4.125%
HK$59,827
baseline
▲ 0.50% · 4.625%
HK$63,468
+HK$3,641/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,654/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,630
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,310
−HK$1,704/mo
Today · 4.125%
HK$66,014
baseline
▲ 0.50% · 4.625%
HK$69,493
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,028/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,557
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,658
−HK$2,135/mo
Today · 4.125%
HK$71,793
baseline
▲ 0.50% · 4.625%
HK$76,161
+HK$4,368/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,586/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,156
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,172
−HK$2,044/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$83,392
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,816
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,268
−HK$2,490/mo
Today · 4.125%
HK$83,758
baseline
▲ 0.50% · 4.625%
HK$88,855
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,516/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,682
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,034
−HK$2,385/mo
Today · 4.125%
HK$92,419
baseline
▲ 0.50% · 4.625%
HK$97,291
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,838/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,335
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,487
−HK$3,202/mo
Today · 4.125%
HK$107,689
baseline
▲ 0.50% · 4.625%
HK$114,242
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,378/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,734
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,757
−HK$3,068/mo
Today · 4.125%
HK$118,825
baseline
▲ 0.50% · 4.625%
HK$125,088
+HK$6,263/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,650/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,280 · Scale 2, in force from 26 Feb 2026)