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$56,222
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,971
−HK$1,777/mo
Today · 4.125%
HK$59,748
baseline
▲ 0.50% · 4.625%
HK$63,383
+HK$3,635/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,496/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,547
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,224
−HK$1,702/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,401
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,467
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,565
−HK$2,132/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$76,060
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,056
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,069
−HK$2,042/mo
Today · 4.125%
HK$79,111
baseline
▲ 0.50% · 4.625%
HK$83,281
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,222/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,711
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,160
−HK$2,487/mo
Today · 4.125%
HK$83,647
baseline
▲ 0.50% · 4.625%
HK$88,737
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,294/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,565
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,914
−HK$2,382/mo
Today · 4.125%
HK$92,296
baseline
▲ 0.50% · 4.625%
HK$97,161
+HK$4,865/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,592/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,200
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,348
−HK$3,198/mo
Today · 4.125%
HK$107,546
baseline
▲ 0.50% · 4.625%
HK$114,090
+HK$6,544/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,092/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,584
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,604
−HK$3,063/mo
Today · 4.125%
HK$118,667
baseline
▲ 0.50% · 4.625%
HK$124,922
+HK$6,255/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,334/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,886 · Scale 2, in force from 26 Feb 2026)