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$56,215
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,964
−HK$1,776/mo
Today · 4.125%
HK$59,740
baseline
▲ 0.50% · 4.625%
HK$63,376
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,480/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,539
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,702/mo
Today · 4.125%
HK$65,918
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,474/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,836/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,458
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,557
−HK$2,132/mo
Today · 4.125%
HK$71,689
baseline
▲ 0.50% · 4.625%
HK$76,051
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,378/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,047
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,059
−HK$2,042/mo
Today · 4.125%
HK$79,101
baseline
▲ 0.50% · 4.625%
HK$83,271
+HK$4,170/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,202/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,701
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,149
−HK$2,488/mo
Today · 4.125%
HK$83,637
baseline
▲ 0.50% · 4.625%
HK$88,726
+HK$5,089/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,274/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,555
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,903
−HK$2,382/mo
Today · 4.125%
HK$92,285
baseline
▲ 0.50% · 4.625%
HK$97,149
+HK$4,864/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,570/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,188
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,335
−HK$3,198/mo
Today · 4.125%
HK$107,533
baseline
▲ 0.50% · 4.625%
HK$114,076
+HK$6,543/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,066/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,570
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,589
−HK$3,063/mo
Today · 4.125%
HK$118,652
baseline
▲ 0.50% · 4.625%
HK$124,906
+HK$6,254/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,304/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,755 · Scale 2, in force from 26 Feb 2026)