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$56,269
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,019
−HK$1,778/mo
Today · 4.125%
HK$59,797
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,594/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,598
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,277
−HK$1,703/mo
Today · 4.125%
HK$65,980
baseline
▲ 0.50% · 4.625%
HK$69,458
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,960/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,522
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,623
−HK$2,134/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$76,123
+HK$4,366/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,118
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,133
−HK$2,043/mo
Today · 4.125%
HK$79,176
baseline
▲ 0.50% · 4.625%
HK$83,350
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,352/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,776
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,227
−HK$2,489/mo
Today · 4.125%
HK$83,716
baseline
▲ 0.50% · 4.625%
HK$88,810
+HK$5,094/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,432/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,638
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,988
−HK$2,384/mo
Today · 4.125%
HK$92,372
baseline
▲ 0.50% · 4.625%
HK$97,242
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,744/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,284
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,434
−HK$3,201/mo
Today · 4.125%
HK$107,635
baseline
▲ 0.50% · 4.625%
HK$114,184
+HK$6,549/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,270/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,677
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,699
−HK$3,066/mo
Today · 4.125%
HK$118,765
baseline
▲ 0.50% · 4.625%
HK$125,025
+HK$6,260/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,530/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,750 · Scale 2, in force from 26 Feb 2026)