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$55,989
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,730
−HK$1,770/mo
Today · 4.125%
HK$59,500
baseline
▲ 0.50% · 4.625%
HK$63,120
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,000/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,287
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,957
−HK$1,695/mo
Today · 4.125%
HK$65,652
baseline
▲ 0.50% · 4.625%
HK$69,113
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,304/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,186
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,276
−HK$2,124/mo
Today · 4.125%
HK$71,400
baseline
▲ 0.50% · 4.625%
HK$75,744
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,800/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,744
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,749
−HK$2,033/mo
Today · 4.125%
HK$78,782
baseline
▲ 0.50% · 4.625%
HK$82,935
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,564/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,384
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,822
−HK$2,477/mo
Today · 4.125%
HK$83,299
baseline
▲ 0.50% · 4.625%
HK$88,368
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,598/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,202
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,540
−HK$2,373/mo
Today · 4.125%
HK$91,913
baseline
▲ 0.50% · 4.625%
HK$96,758
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,826/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,780
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,914
−HK$3,185/mo
Today · 4.125%
HK$107,099
baseline
▲ 0.50% · 4.625%
HK$113,616
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,198/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,116
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,123
−HK$3,051/mo
Today · 4.125%
HK$118,174
baseline
▲ 0.50% · 4.625%
HK$124,403
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,348/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,531 · Scale 2, in force from 26 Feb 2026)