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$56,305
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,056
−HK$1,780/mo
Today · 4.125%
HK$59,836
baseline
▲ 0.50% · 4.625%
HK$63,476
+HK$3,640/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,672/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,639
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,318
−HK$1,705/mo
Today · 4.125%
HK$66,023
baseline
▲ 0.50% · 4.625%
HK$69,503
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,046/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,566
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,667
−HK$2,136/mo
Today · 4.125%
HK$71,803
baseline
▲ 0.50% · 4.625%
HK$76,172
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,606/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,166
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,182
−HK$2,045/mo
Today · 4.125%
HK$79,227
baseline
▲ 0.50% · 4.625%
HK$83,403
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,454/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,827
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,279
−HK$2,491/mo
Today · 4.125%
HK$83,770
baseline
▲ 0.50% · 4.625%
HK$88,867
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,540/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,694
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,046
−HK$2,386/mo
Today · 4.125%
HK$92,432
baseline
▲ 0.50% · 4.625%
HK$97,304
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,864/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,349
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,501
−HK$3,203/mo
Today · 4.125%
HK$107,704
baseline
▲ 0.50% · 4.625%
HK$114,258
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,408/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,749
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,773
−HK$3,068/mo
Today · 4.125%
HK$118,841
baseline
▲ 0.50% · 4.625%
HK$125,105
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,682/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,424 · Scale 2, in force from 26 Feb 2026)