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$56,087
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,832
−HK$1,772/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$63,231
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,396
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,070
−HK$1,698/mo
Today · 4.125%
HK$65,768
baseline
▲ 0.50% · 4.625%
HK$69,234
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,536/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,305
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,398
−HK$2,127/mo
Today · 4.125%
HK$71,525
baseline
▲ 0.50% · 4.625%
HK$75,877
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,050/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,876
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,884
−HK$2,037/mo
Today · 4.125%
HK$78,921
baseline
▲ 0.50% · 4.625%
HK$83,081
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,842/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,522
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,965
−HK$2,481/mo
Today · 4.125%
HK$83,446
baseline
▲ 0.50% · 4.625%
HK$88,524
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,892/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,355
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,698
−HK$2,377/mo
Today · 4.125%
HK$92,075
baseline
▲ 0.50% · 4.625%
HK$96,928
+HK$4,853/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,150/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,957
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,097
−HK$3,191/mo
Today · 4.125%
HK$107,288
baseline
▲ 0.50% · 4.625%
HK$113,816
+HK$6,528/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,576/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,314
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,326
−HK$3,056/mo
Today · 4.125%
HK$118,382
baseline
▲ 0.50% · 4.625%
HK$124,622
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,764/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,369 · Scale 2, in force from 26 Feb 2026)