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$56,197
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,945
−HK$1,776/mo
Today · 4.125%
HK$59,721
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,442/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,519
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,195
−HK$1,701/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,370
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,436
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,534
−HK$2,131/mo
Today · 4.125%
HK$71,665
baseline
▲ 0.50% · 4.625%
HK$76,026
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,330/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,022
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,034
−HK$2,042/mo
Today · 4.125%
HK$79,076
baseline
▲ 0.50% · 4.625%
HK$83,244
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,152/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,676
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,123
−HK$2,487/mo
Today · 4.125%
HK$83,610
baseline
▲ 0.50% · 4.625%
HK$88,697
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,220/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,526
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,874
−HK$2,381/mo
Today · 4.125%
HK$92,255
baseline
▲ 0.50% · 4.625%
HK$97,118
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,510/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,155
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,301
−HK$3,197/mo
Today · 4.125%
HK$107,498
baseline
▲ 0.50% · 4.625%
HK$114,039
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,996/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,534
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,552
−HK$3,061/mo
Today · 4.125%
HK$118,613
baseline
▲ 0.50% · 4.625%
HK$124,866
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,226/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,416 · Scale 2, in force from 26 Feb 2026)