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$56,300
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,051
−HK$1,780/mo
Today · 4.125%
HK$59,831
baseline
▲ 0.50% · 4.625%
HK$63,471
+HK$3,640/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,662/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,633
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,313
−HK$1,704/mo
Today · 4.125%
HK$66,017
baseline
▲ 0.50% · 4.625%
HK$69,497
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,034/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,560
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,662
−HK$2,135/mo
Today · 4.125%
HK$71,797
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,594/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,160
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,176
−HK$2,045/mo
Today · 4.125%
HK$79,221
baseline
▲ 0.50% · 4.625%
HK$83,397
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,442/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,820
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,272
−HK$2,491/mo
Today · 4.125%
HK$83,763
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,526/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,687
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,038
−HK$2,386/mo
Today · 4.125%
HK$92,424
baseline
▲ 0.50% · 4.625%
HK$97,296
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,848/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,340
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,493
−HK$3,202/mo
Today · 4.125%
HK$107,695
baseline
▲ 0.50% · 4.625%
HK$114,248
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,390/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,740
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,764
−HK$3,067/mo
Today · 4.125%
HK$118,831
baseline
▲ 0.50% · 4.625%
HK$125,095
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,662/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,338 · Scale 2, in force from 26 Feb 2026)