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$56,006
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,770/mo
Today · 4.125%
HK$59,518
baseline
▲ 0.50% · 4.625%
HK$63,139
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,036/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,306
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,695/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,134
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,207
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,298
−HK$2,124/mo
Today · 4.125%
HK$71,422
baseline
▲ 0.50% · 4.625%
HK$75,767
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,844/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,767
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,772
−HK$2,035/mo
Today · 4.125%
HK$78,807
baseline
▲ 0.50% · 4.625%
HK$82,961
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,614/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,408
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,847
−HK$2,478/mo
Today · 4.125%
HK$83,325
baseline
▲ 0.50% · 4.625%
HK$88,395
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,650/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,228
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,568
−HK$2,373/mo
Today · 4.125%
HK$91,941
baseline
▲ 0.50% · 4.625%
HK$96,787
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,882/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,811
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,946
−HK$3,186/mo
Today · 4.125%
HK$107,132
baseline
▲ 0.50% · 4.625%
HK$113,651
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,264/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,151
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,159
−HK$3,051/mo
Today · 4.125%
HK$118,210
baseline
▲ 0.50% · 4.625%
HK$124,441
+HK$6,231/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,420/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,853 · Scale 2, in force from 26 Feb 2026)