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$56,269
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,020
−HK$1,778/mo
Today · 4.125%
HK$59,798
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,596/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,599
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,703/mo
Today · 4.125%
HK$65,981
baseline
▲ 0.50% · 4.625%
HK$69,459
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,962/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,523
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,623
−HK$2,134/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$76,124
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,119
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,133
−HK$2,044/mo
Today · 4.125%
HK$79,177
baseline
▲ 0.50% · 4.625%
HK$83,351
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,354/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,777
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,227
−HK$2,490/mo
Today · 4.125%
HK$83,717
baseline
▲ 0.50% · 4.625%
HK$88,811
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,434/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,639
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,989
−HK$2,384/mo
Today · 4.125%
HK$92,373
baseline
▲ 0.50% · 4.625%
HK$97,243
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,746/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,285
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,435
−HK$3,201/mo
Today · 4.125%
HK$107,636
baseline
▲ 0.50% · 4.625%
HK$114,186
+HK$6,550/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,272/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,678
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,700
−HK$3,066/mo
Today · 4.125%
HK$118,766
baseline
▲ 0.50% · 4.625%
HK$125,026
+HK$6,260/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,532/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,761 · Scale 2, in force from 26 Feb 2026)