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$56,292
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,043
−HK$1,779/mo
Today · 4.125%
HK$59,822
baseline
▲ 0.50% · 4.625%
HK$63,462
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,644/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,624
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,304
−HK$1,704/mo
Today · 4.125%
HK$66,008
baseline
▲ 0.50% · 4.625%
HK$69,487
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,016/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,550
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,651
−HK$2,135/mo
Today · 4.125%
HK$71,786
baseline
▲ 0.50% · 4.625%
HK$76,154
+HK$4,368/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,572/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,149
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,164
−HK$2,045/mo
Today · 4.125%
HK$79,209
baseline
▲ 0.50% · 4.625%
HK$83,384
+HK$4,175/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,418/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,809
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,260
−HK$2,491/mo
Today · 4.125%
HK$83,751
baseline
▲ 0.50% · 4.625%
HK$88,847
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,502/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,674
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,025
−HK$2,386/mo
Today · 4.125%
HK$92,411
baseline
▲ 0.50% · 4.625%
HK$97,282
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,822/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,325
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,477
−HK$3,202/mo
Today · 4.125%
HK$107,679
baseline
▲ 0.50% · 4.625%
HK$114,231
+HK$6,552/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,358/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,723
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,747
−HK$3,067/mo
Today · 4.125%
HK$118,814
baseline
▲ 0.50% · 4.625%
HK$125,076
+HK$6,262/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,628/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,182 · Scale 2, in force from 26 Feb 2026)