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$56,061
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,805
−HK$1,772/mo
Today · 4.125%
HK$59,577
baseline
▲ 0.50% · 4.625%
HK$63,202
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,154/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,367
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,040
−HK$1,697/mo
Today · 4.125%
HK$65,737
baseline
▲ 0.50% · 4.625%
HK$69,202
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,474/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,273
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,366
−HK$2,126/mo
Today · 4.125%
HK$71,492
baseline
▲ 0.50% · 4.625%
HK$75,842
+HK$4,350/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,984/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,841
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,848
−HK$2,036/mo
Today · 4.125%
HK$78,884
baseline
▲ 0.50% · 4.625%
HK$83,042
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,768/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,485
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,927
−HK$2,480/mo
Today · 4.125%
HK$83,407
baseline
▲ 0.50% · 4.625%
HK$88,482
+HK$5,075/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,814/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,314
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,656
−HK$2,376/mo
Today · 4.125%
HK$92,032
baseline
▲ 0.50% · 4.625%
HK$96,883
+HK$4,851/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,064/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,910
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,049
−HK$3,189/mo
Today · 4.125%
HK$107,238
baseline
▲ 0.50% · 4.625%
HK$113,763
+HK$6,525/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,476/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,261
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,272
−HK$3,054/mo
Today · 4.125%
HK$118,326
baseline
▲ 0.50% · 4.625%
HK$124,563
+HK$6,237/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,652/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,880 · Scale 2, in force from 26 Feb 2026)