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$56,276
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,027
−HK$1,778/mo
Today · 4.125%
HK$59,805
baseline
▲ 0.50% · 4.625%
HK$63,444
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,610/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,607
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,286
−HK$1,703/mo
Today · 4.125%
HK$65,989
baseline
▲ 0.50% · 4.625%
HK$69,468
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,978/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,531
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,632
−HK$2,134/mo
Today · 4.125%
HK$71,766
baseline
▲ 0.50% · 4.625%
HK$76,133
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,532/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,128
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,143
−HK$2,044/mo
Today · 4.125%
HK$79,187
baseline
▲ 0.50% · 4.625%
HK$83,361
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,374/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,787
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,237
−HK$2,490/mo
Today · 4.125%
HK$83,727
baseline
▲ 0.50% · 4.625%
HK$88,822
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,454/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,649
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,000
−HK$2,385/mo
Today · 4.125%
HK$92,385
baseline
▲ 0.50% · 4.625%
HK$97,255
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,770/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,297
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,448
−HK$3,201/mo
Today · 4.125%
HK$107,649
baseline
▲ 0.50% · 4.625%
HK$114,200
+HK$6,551/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,298/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,692
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,714
−HK$3,066/mo
Today · 4.125%
HK$118,780
baseline
▲ 0.50% · 4.625%
HK$125,042
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,560/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,890 · Scale 2, in force from 26 Feb 2026)