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$56,247
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$57,997
−HK$1,778/mo
Today · 4.125%
HK$59,775
baseline
▲ 0.50% · 4.625%
HK$63,412
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,550/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,575
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,253
−HK$1,702/mo
Today · 4.125%
HK$65,955
baseline
▲ 0.50% · 4.625%
HK$69,432
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,910/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,497
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$2,134/mo
Today · 4.125%
HK$71,730
baseline
▲ 0.50% · 4.625%
HK$76,094
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,460/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,090
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,103
−HK$2,043/mo
Today · 4.125%
HK$79,146
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,292/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,746
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,196
−HK$2,488/mo
Today · 4.125%
HK$83,684
baseline
▲ 0.50% · 4.625%
HK$88,776
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,368/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,605
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,954
−HK$2,384/mo
Today · 4.125%
HK$92,338
baseline
▲ 0.50% · 4.625%
HK$97,205
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,676/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,245
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,395
−HK$3,199/mo
Today · 4.125%
HK$107,594
baseline
▲ 0.50% · 4.625%
HK$114,141
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,188/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,634
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,655
−HK$3,065/mo
Today · 4.125%
HK$118,720
baseline
▲ 0.50% · 4.625%
HK$124,978
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,440/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,354 · Scale 2, in force from 26 Feb 2026)