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$56,165
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,912
−HK$1,775/mo
Today · 4.125%
HK$59,687
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,374/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,159
−HK$1,700/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,398
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,495
−HK$2,130/mo
Today · 4.125%
HK$71,625
baseline
▲ 0.50% · 4.625%
HK$75,983
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,250/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,980
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,991
−HK$2,040/mo
Today · 4.125%
HK$79,031
baseline
▲ 0.50% · 4.625%
HK$83,197
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,062/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,631
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,077
−HK$2,485/mo
Today · 4.125%
HK$83,562
baseline
▲ 0.50% · 4.625%
HK$88,647
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,124/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,477
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,823
−HK$2,380/mo
Today · 4.125%
HK$92,203
baseline
▲ 0.50% · 4.625%
HK$97,063
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,406/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,098
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,242
−HK$3,195/mo
Today · 4.125%
HK$107,437
baseline
▲ 0.50% · 4.625%
HK$113,975
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,874/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,470
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,486
−HK$3,061/mo
Today · 4.125%
HK$118,547
baseline
▲ 0.50% · 4.625%
HK$124,795
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,094/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,825 · Scale 2, in force from 26 Feb 2026)