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$56,005
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,769/mo
Today · 4.125%
HK$59,517
baseline
▲ 0.50% · 4.625%
HK$63,139
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,034/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,976
−HK$1,696/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,133
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,207
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,297
−HK$2,124/mo
Today · 4.125%
HK$71,421
baseline
▲ 0.50% · 4.625%
HK$75,767
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,842/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,767
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,772
−HK$2,034/mo
Today · 4.125%
HK$78,806
baseline
▲ 0.50% · 4.625%
HK$82,960
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,612/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,408
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,847
−HK$2,477/mo
Today · 4.125%
HK$83,324
baseline
▲ 0.50% · 4.625%
HK$88,395
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,648/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,228
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,567
−HK$2,373/mo
Today · 4.125%
HK$91,940
baseline
▲ 0.50% · 4.625%
HK$96,787
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,880/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,810
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,946
−HK$3,185/mo
Today · 4.125%
HK$107,131
baseline
▲ 0.50% · 4.625%
HK$113,650
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,262/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,150
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,158
−HK$3,051/mo
Today · 4.125%
HK$118,209
baseline
▲ 0.50% · 4.625%
HK$124,440
+HK$6,231/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,418/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,844 · Scale 2, in force from 26 Feb 2026)