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$56,025
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,768
−HK$1,770/mo
Today · 4.125%
HK$59,538
baseline
▲ 0.50% · 4.625%
HK$63,161
+HK$3,623/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,076/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,327
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$63,999
−HK$1,696/mo
Today · 4.125%
HK$65,695
baseline
▲ 0.50% · 4.625%
HK$69,157
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,390/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,230
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,321
−HK$2,125/mo
Today · 4.125%
HK$71,446
baseline
▲ 0.50% · 4.625%
HK$75,793
+HK$4,347/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,892/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,793
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,799
−HK$2,034/mo
Today · 4.125%
HK$78,833
baseline
▲ 0.50% · 4.625%
HK$82,989
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,666/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,435
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,875
−HK$2,478/mo
Today · 4.125%
HK$83,353
baseline
▲ 0.50% · 4.625%
HK$88,425
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,706/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,258
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,598
−HK$2,374/mo
Today · 4.125%
HK$91,972
baseline
▲ 0.50% · 4.625%
HK$96,820
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,944/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,845
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,982
−HK$3,187/mo
Today · 4.125%
HK$107,169
baseline
▲ 0.50% · 4.625%
HK$113,690
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,338/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,189
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,198
−HK$3,052/mo
Today · 4.125%
HK$118,250
baseline
▲ 0.50% · 4.625%
HK$124,483
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,500/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,208 · Scale 2, in force from 26 Feb 2026)