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$56,263
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,013
−HK$1,779/mo
Today · 4.125%
HK$59,792
baseline
▲ 0.50% · 4.625%
HK$63,430
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,584/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,592
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,271
−HK$1,703/mo
Today · 4.125%
HK$65,974
baseline
▲ 0.50% · 4.625%
HK$69,452
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,948/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,516
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,616
−HK$2,134/mo
Today · 4.125%
HK$71,750
baseline
▲ 0.50% · 4.625%
HK$76,116
+HK$4,366/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,500/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,111
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,125
−HK$2,044/mo
Today · 4.125%
HK$79,169
baseline
▲ 0.50% · 4.625%
HK$83,342
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,338/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,769
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,219
−HK$2,489/mo
Today · 4.125%
HK$83,708
baseline
▲ 0.50% · 4.625%
HK$88,802
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,416/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,629
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,979
−HK$2,385/mo
Today · 4.125%
HK$92,364
baseline
▲ 0.50% · 4.625%
HK$97,232
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,728/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,274
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,424
−HK$3,201/mo
Today · 4.125%
HK$107,625
baseline
▲ 0.50% · 4.625%
HK$114,173
+HK$6,548/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,250/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,666
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,688
−HK$3,065/mo
Today · 4.125%
HK$118,753
baseline
▲ 0.50% · 4.625%
HK$125,013
+HK$6,260/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,506/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,650 · Scale 2, in force from 26 Feb 2026)