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$56,280
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,031
−HK$1,778/mo
Today · 4.125%
HK$59,809
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,618/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,611
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,290
−HK$1,704/mo
Today · 4.125%
HK$65,994
baseline
▲ 0.50% · 4.625%
HK$69,472
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,988/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,536
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,637
−HK$2,134/mo
Today · 4.125%
HK$71,771
baseline
▲ 0.50% · 4.625%
HK$76,138
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,542/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,133
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,148
−HK$2,045/mo
Today · 4.125%
HK$79,193
baseline
▲ 0.50% · 4.625%
HK$83,367
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,386/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,792
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,243
−HK$2,490/mo
Today · 4.125%
HK$83,733
baseline
▲ 0.50% · 4.625%
HK$88,828
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,466/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,656
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$90,006
−HK$2,385/mo
Today · 4.125%
HK$92,391
baseline
▲ 0.50% · 4.625%
HK$97,261
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,782/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,304
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,455
−HK$3,202/mo
Today · 4.125%
HK$107,657
baseline
▲ 0.50% · 4.625%
HK$114,208
+HK$6,551/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,314/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,700
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,722
−HK$3,067/mo
Today · 4.125%
HK$118,789
baseline
▲ 0.50% · 4.625%
HK$125,050
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,578/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,964 · Scale 2, in force from 26 Feb 2026)