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$56,010
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,752
−HK$1,770/mo
Today · 4.125%
HK$59,522
baseline
▲ 0.50% · 4.625%
HK$63,144
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,044/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,310
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,982
−HK$1,695/mo
Today · 4.125%
HK$65,677
baseline
▲ 0.50% · 4.625%
HK$69,139
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,354/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,302
−HK$2,125/mo
Today · 4.125%
HK$71,427
baseline
▲ 0.50% · 4.625%
HK$75,773
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,854/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,772
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,778
−HK$2,034/mo
Today · 4.125%
HK$78,812
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,155/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,624/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,414
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,853
−HK$2,478/mo
Today · 4.125%
HK$83,331
baseline
▲ 0.50% · 4.625%
HK$88,402
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,662/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,235
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,574
−HK$2,374/mo
Today · 4.125%
HK$91,948
baseline
▲ 0.50% · 4.625%
HK$96,794
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,896/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,818
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,954
−HK$3,186/mo
Today · 4.125%
HK$107,140
baseline
▲ 0.50% · 4.625%
HK$113,659
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,280/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,159
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,167
−HK$3,051/mo
Today · 4.125%
HK$118,218
baseline
▲ 0.50% · 4.625%
HK$124,450
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,436/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,926 · Scale 2, in force from 26 Feb 2026)