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$56,270
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,020
−HK$1,779/mo
Today · 4.125%
HK$59,799
baseline
▲ 0.50% · 4.625%
HK$63,437
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,598/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,600
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,279
−HK$1,703/mo
Today · 4.125%
HK$65,982
baseline
▲ 0.50% · 4.625%
HK$69,460
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,964/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,524
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,624
−HK$2,134/mo
Today · 4.125%
HK$71,758
baseline
▲ 0.50% · 4.625%
HK$76,125
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,516/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,120
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,135
−HK$2,043/mo
Today · 4.125%
HK$79,178
baseline
▲ 0.50% · 4.625%
HK$83,352
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,356/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,778
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,229
−HK$2,489/mo
Today · 4.125%
HK$83,718
baseline
▲ 0.50% · 4.625%
HK$88,812
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,436/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,640
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,990
−HK$2,385/mo
Today · 4.125%
HK$92,375
baseline
▲ 0.50% · 4.625%
HK$97,244
+HK$4,869/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,750/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,286
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,437
−HK$3,201/mo
Today · 4.125%
HK$107,638
baseline
▲ 0.50% · 4.625%
HK$114,187
+HK$6,549/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,276/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,680
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,702
−HK$3,066/mo
Today · 4.125%
HK$118,768
baseline
▲ 0.50% · 4.625%
HK$125,028
+HK$6,260/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,536/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,777 · Scale 2, in force from 26 Feb 2026)