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$56,250
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,000
−HK$1,778/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$63,415
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,578
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,256
−HK$1,703/mo
Today · 4.125%
HK$65,959
baseline
▲ 0.50% · 4.625%
HK$69,436
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,918/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,500
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,600
−HK$2,133/mo
Today · 4.125%
HK$71,733
baseline
▲ 0.50% · 4.625%
HK$76,098
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,466/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,094
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,108
−HK$2,043/mo
Today · 4.125%
HK$79,151
baseline
▲ 0.50% · 4.625%
HK$83,323
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,302/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,751
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,200
−HK$2,489/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,781
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,609
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,959
−HK$2,383/mo
Today · 4.125%
HK$92,342
baseline
▲ 0.50% · 4.625%
HK$97,210
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,684/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,251
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,400
−HK$3,200/mo
Today · 4.125%
HK$107,600
baseline
▲ 0.50% · 4.625%
HK$114,147
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,200/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,640
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,661
−HK$3,065/mo
Today · 4.125%
HK$118,726
baseline
▲ 0.50% · 4.625%
HK$124,984
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,452/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,409 · Scale 2, in force from 26 Feb 2026)