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$56,012
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,755
−HK$1,770/mo
Today · 4.125%
HK$59,525
baseline
▲ 0.50% · 4.625%
HK$63,147
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,050/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,313
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,984
−HK$1,696/mo
Today · 4.125%
HK$65,680
baseline
▲ 0.50% · 4.625%
HK$69,142
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,360/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,215
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$2,125/mo
Today · 4.125%
HK$71,430
baseline
▲ 0.50% · 4.625%
HK$75,776
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,860/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,776
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,781
−HK$2,035/mo
Today · 4.125%
HK$78,816
baseline
▲ 0.50% · 4.625%
HK$82,970
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,632/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,417
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,856
−HK$2,479/mo
Today · 4.125%
HK$83,335
baseline
▲ 0.50% · 4.625%
HK$88,405
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,670/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,238
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,578
−HK$2,373/mo
Today · 4.125%
HK$91,951
baseline
▲ 0.50% · 4.625%
HK$96,798
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,902/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,822
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,958
−HK$3,186/mo
Today · 4.125%
HK$107,144
baseline
▲ 0.50% · 4.625%
HK$113,664
+HK$6,520/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,288/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,163
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,172
−HK$3,051/mo
Today · 4.125%
HK$118,223
baseline
▲ 0.50% · 4.625%
HK$124,455
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,446/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,970 · Scale 2, in force from 26 Feb 2026)