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$56,259
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,009
−HK$1,778/mo
Today · 4.125%
HK$59,787
baseline
▲ 0.50% · 4.625%
HK$63,425
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,574/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,588
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,266
−HK$1,703/mo
Today · 4.125%
HK$65,969
baseline
▲ 0.50% · 4.625%
HK$69,446
+HK$3,477/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,938/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,511
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,611
−HK$2,133/mo
Today · 4.125%
HK$71,744
baseline
▲ 0.50% · 4.625%
HK$76,110
+HK$4,366/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,488/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,105
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,119
−HK$2,044/mo
Today · 4.125%
HK$79,163
baseline
▲ 0.50% · 4.625%
HK$83,336
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,326/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,763
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,213
−HK$2,489/mo
Today · 4.125%
HK$83,702
baseline
▲ 0.50% · 4.625%
HK$88,795
+HK$5,093/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,404/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,623
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,973
−HK$2,384/mo
Today · 4.125%
HK$92,357
baseline
▲ 0.50% · 4.625%
HK$97,225
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,714/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,266
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,416
−HK$3,200/mo
Today · 4.125%
HK$107,616
baseline
▲ 0.50% · 4.625%
HK$114,165
+HK$6,549/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,232/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,658
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,679
−HK$3,065/mo
Today · 4.125%
HK$118,744
baseline
▲ 0.50% · 4.625%
HK$125,003
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,488/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,570 · Scale 2, in force from 26 Feb 2026)