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$56,309
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,061
−HK$1,779/mo
Today · 4.125%
HK$59,840
baseline
▲ 0.50% · 4.625%
HK$63,481
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,680/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,643
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,323
−HK$1,705/mo
Today · 4.125%
HK$66,028
baseline
▲ 0.50% · 4.625%
HK$69,508
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,056/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,571
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,673
−HK$2,135/mo
Today · 4.125%
HK$71,808
baseline
▲ 0.50% · 4.625%
HK$76,178
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,616/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,172
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,188
−HK$2,045/mo
Today · 4.125%
HK$79,233
baseline
▲ 0.50% · 4.625%
HK$83,410
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,466/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,833
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,285
−HK$2,491/mo
Today · 4.125%
HK$83,776
baseline
▲ 0.50% · 4.625%
HK$88,874
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,552/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,701
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,386/mo
Today · 4.125%
HK$92,439
baseline
▲ 0.50% · 4.625%
HK$97,312
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,878/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,357
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,509
−HK$3,204/mo
Today · 4.125%
HK$107,713
baseline
▲ 0.50% · 4.625%
HK$114,267
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,426/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,758
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,782
−HK$3,068/mo
Today · 4.125%
HK$118,850
baseline
▲ 0.50% · 4.625%
HK$125,115
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,700/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,506 · Scale 2, in force from 26 Feb 2026)