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$56,064
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,808
−HK$1,772/mo
Today · 4.125%
HK$59,580
baseline
▲ 0.50% · 4.625%
HK$63,205
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,160/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,371
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,697/mo
Today · 4.125%
HK$65,741
baseline
▲ 0.50% · 4.625%
HK$69,206
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,482/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,277
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,370
−HK$2,126/mo
Today · 4.125%
HK$71,496
baseline
▲ 0.50% · 4.625%
HK$75,847
+HK$4,351/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,992/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,845
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,853
−HK$2,036/mo
Today · 4.125%
HK$78,889
baseline
▲ 0.50% · 4.625%
HK$83,047
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,778/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,490
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,932
−HK$2,480/mo
Today · 4.125%
HK$83,412
baseline
▲ 0.50% · 4.625%
HK$88,488
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,824/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,320
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,661
−HK$2,376/mo
Today · 4.125%
HK$92,037
baseline
▲ 0.50% · 4.625%
HK$96,889
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,074/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,916
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,055
−HK$3,189/mo
Today · 4.125%
HK$107,244
baseline
▲ 0.50% · 4.625%
HK$113,770
+HK$6,526/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,488/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,268
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,279
−HK$3,055/mo
Today · 4.125%
HK$118,334
baseline
▲ 0.50% · 4.625%
HK$124,571
+HK$6,237/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,668/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,944 · Scale 2, in force from 26 Feb 2026)