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$55,993
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,735
−HK$1,770/mo
Today · 4.125%
HK$59,505
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,010/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,292
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,694/mo
Today · 4.125%
HK$65,657
baseline
▲ 0.50% · 4.625%
HK$69,118
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,314/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,192
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,282
−HK$2,123/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,750
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,750
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,755
−HK$2,034/mo
Today · 4.125%
HK$78,789
baseline
▲ 0.50% · 4.625%
HK$82,942
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,578/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,391
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,829
−HK$2,477/mo
Today · 4.125%
HK$83,306
baseline
▲ 0.50% · 4.625%
HK$88,375
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,612/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,209
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,548
−HK$2,372/mo
Today · 4.125%
HK$91,920
baseline
▲ 0.50% · 4.625%
HK$96,766
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,840/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,788
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,923
−HK$3,185/mo
Today · 4.125%
HK$107,108
baseline
▲ 0.50% · 4.625%
HK$113,625
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,216/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,125
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,133
−HK$3,050/mo
Today · 4.125%
HK$118,183
baseline
▲ 0.50% · 4.625%
HK$124,413
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,366/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,617 · Scale 2, in force from 26 Feb 2026)