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$56,052
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,795
−HK$1,772/mo
Today · 4.125%
HK$59,567
baseline
▲ 0.50% · 4.625%
HK$63,191
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,134/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,357
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,030
−HK$1,696/mo
Today · 4.125%
HK$65,726
baseline
▲ 0.50% · 4.625%
HK$69,191
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,452/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,355
−HK$2,125/mo
Today · 4.125%
HK$71,480
baseline
▲ 0.50% · 4.625%
HK$75,830
+HK$4,350/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,960/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,829
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,836
−HK$2,035/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,029
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,473
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,914
−HK$2,480/mo
Today · 4.125%
HK$83,394
baseline
▲ 0.50% · 4.625%
HK$88,468
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$166,788/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,300
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,641
−HK$2,376/mo
Today · 4.125%
HK$92,017
baseline
▲ 0.50% · 4.625%
HK$96,867
+HK$4,850/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$184,034/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,894
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,032
−HK$3,188/mo
Today · 4.125%
HK$107,220
baseline
▲ 0.50% · 4.625%
HK$113,745
+HK$6,525/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,440/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,243
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,253
−HK$3,054/mo
Today · 4.125%
HK$118,307
baseline
▲ 0.50% · 4.625%
HK$124,543
+HK$6,236/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,614/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,711 · Scale 2, in force from 26 Feb 2026)