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$56,276
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,026
−HK$1,779/mo
Today · 4.125%
HK$59,805
baseline
▲ 0.50% · 4.625%
HK$63,444
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,610/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,606
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,704/mo
Today · 4.125%
HK$65,989
baseline
▲ 0.50% · 4.625%
HK$69,467
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,978/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,531
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,632
−HK$2,134/mo
Today · 4.125%
HK$71,766
baseline
▲ 0.50% · 4.625%
HK$76,133
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,532/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,128
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,142
−HK$2,044/mo
Today · 4.125%
HK$79,186
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,372/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,786
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,237
−HK$2,490/mo
Today · 4.125%
HK$83,727
baseline
▲ 0.50% · 4.625%
HK$88,821
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,454/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,649
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,999
−HK$2,385/mo
Today · 4.125%
HK$92,384
baseline
▲ 0.50% · 4.625%
HK$97,254
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,768/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,296
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,447
−HK$3,202/mo
Today · 4.125%
HK$107,649
baseline
▲ 0.50% · 4.625%
HK$114,199
+HK$6,550/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,298/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,691
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,714
−HK$3,066/mo
Today · 4.125%
HK$118,780
baseline
▲ 0.50% · 4.625%
HK$125,041
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,560/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,883 · Scale 2, in force from 26 Feb 2026)