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$55,968
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,709
−HK$1,769/mo
Today · 4.125%
HK$59,478
baseline
▲ 0.50% · 4.625%
HK$63,097
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,956/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,264
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,934
−HK$1,694/mo
Today · 4.125%
HK$65,628
baseline
▲ 0.50% · 4.625%
HK$69,087
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,256/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,162
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,251
−HK$2,122/mo
Today · 4.125%
HK$71,373
baseline
▲ 0.50% · 4.625%
HK$75,716
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,746/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,717
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,720
−HK$2,033/mo
Today · 4.125%
HK$78,753
baseline
▲ 0.50% · 4.625%
HK$82,904
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,506/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,355
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,792
−HK$2,477/mo
Today · 4.125%
HK$83,269
baseline
▲ 0.50% · 4.625%
HK$88,335
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,538/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,169
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,507
−HK$2,372/mo
Today · 4.125%
HK$91,879
baseline
▲ 0.50% · 4.625%
HK$96,722
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,758/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,742
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,876
−HK$3,184/mo
Today · 4.125%
HK$107,060
baseline
▲ 0.50% · 4.625%
HK$113,574
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,120/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,075
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,081
−HK$3,049/mo
Today · 4.125%
HK$118,130
baseline
▲ 0.50% · 4.625%
HK$124,357
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,260/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,146 · Scale 2, in force from 26 Feb 2026)