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$56,052
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,795
−HK$1,772/mo
Today · 4.125%
HK$59,567
baseline
▲ 0.50% · 4.625%
HK$63,191
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,134/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,357
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,029
−HK$1,697/mo
Today · 4.125%
HK$65,726
baseline
▲ 0.50% · 4.625%
HK$69,191
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,452/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,354
−HK$2,126/mo
Today · 4.125%
HK$71,480
baseline
▲ 0.50% · 4.625%
HK$75,829
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,960/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,828
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,835
−HK$2,036/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,029
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,473
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,913
−HK$2,480/mo
Today · 4.125%
HK$83,393
baseline
▲ 0.50% · 4.625%
HK$88,468
+HK$5,075/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$166,786/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,300
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,641
−HK$2,375/mo
Today · 4.125%
HK$92,016
baseline
▲ 0.50% · 4.625%
HK$96,867
+HK$4,851/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$184,032/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,893
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,032
−HK$3,188/mo
Today · 4.125%
HK$107,220
baseline
▲ 0.50% · 4.625%
HK$113,744
+HK$6,524/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,440/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,243
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,253
−HK$3,054/mo
Today · 4.125%
HK$118,307
baseline
▲ 0.50% · 4.625%
HK$124,543
+HK$6,236/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,614/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,708 · Scale 2, in force from 26 Feb 2026)