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$56,216
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,965
−HK$1,777/mo
Today · 4.125%
HK$59,742
baseline
▲ 0.50% · 4.625%
HK$63,377
+HK$3,635/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,484/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,540
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,218
−HK$1,701/mo
Today · 4.125%
HK$65,919
baseline
▲ 0.50% · 4.625%
HK$69,394
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,838/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,460
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,558
−HK$2,132/mo
Today · 4.125%
HK$71,690
baseline
▲ 0.50% · 4.625%
HK$76,052
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,380/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,048
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,061
−HK$2,042/mo
Today · 4.125%
HK$79,103
baseline
▲ 0.50% · 4.625%
HK$83,273
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,206/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,703
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,151
−HK$2,487/mo
Today · 4.125%
HK$83,638
baseline
▲ 0.50% · 4.625%
HK$88,728
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,276/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,556
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,905
−HK$2,382/mo
Today · 4.125%
HK$92,287
baseline
▲ 0.50% · 4.625%
HK$97,151
+HK$4,864/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,574/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,190
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,337
−HK$3,198/mo
Today · 4.125%
HK$107,535
baseline
▲ 0.50% · 4.625%
HK$114,078
+HK$6,543/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,070/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,573
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,592
−HK$3,062/mo
Today · 4.125%
HK$118,654
baseline
▲ 0.50% · 4.625%
HK$124,909
+HK$6,255/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,308/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,778 · Scale 2, in force from 26 Feb 2026)