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$55,983
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,724
−HK$1,770/mo
Today · 4.125%
HK$59,494
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$118,988/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,280
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,951
−HK$1,694/mo
Today · 4.125%
HK$65,645
baseline
▲ 0.50% · 4.625%
HK$69,106
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,290/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,180
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$2,123/mo
Today · 4.125%
HK$71,392
baseline
▲ 0.50% · 4.625%
HK$75,736
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,784/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,737
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,741
−HK$2,033/mo
Today · 4.125%
HK$78,774
baseline
▲ 0.50% · 4.625%
HK$82,927
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,548/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,376
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,814
−HK$2,477/mo
Today · 4.125%
HK$83,291
baseline
▲ 0.50% · 4.625%
HK$88,359
+HK$5,068/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,582/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,193
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,531
−HK$2,372/mo
Today · 4.125%
HK$91,903
baseline
▲ 0.50% · 4.625%
HK$96,748
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,806/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,769
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,904
−HK$3,184/mo
Today · 4.125%
HK$107,088
baseline
▲ 0.50% · 4.625%
HK$113,604
+HK$6,516/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,176/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,105
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,111
−HK$3,050/mo
Today · 4.125%
HK$118,161
baseline
▲ 0.50% · 4.625%
HK$124,390
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,322/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,424 · Scale 2, in force from 26 Feb 2026)