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$56,258
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,008
−HK$1,778/mo
Today · 4.125%
HK$59,786
baseline
▲ 0.50% · 4.625%
HK$63,423
+HK$3,637/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,572/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,586
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,265
−HK$1,702/mo
Today · 4.125%
HK$65,967
baseline
▲ 0.50% · 4.625%
HK$69,445
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,934/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,509
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,609
−HK$2,134/mo
Today · 4.125%
HK$71,743
baseline
▲ 0.50% · 4.625%
HK$76,108
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,486/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,103
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,118
−HK$2,043/mo
Today · 4.125%
HK$79,161
baseline
▲ 0.50% · 4.625%
HK$83,334
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,322/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,761
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,211
−HK$2,489/mo
Today · 4.125%
HK$83,700
baseline
▲ 0.50% · 4.625%
HK$88,793
+HK$5,093/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,400/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,621
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,970
−HK$2,384/mo
Today · 4.125%
HK$92,354
baseline
▲ 0.50% · 4.625%
HK$97,223
+HK$4,869/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,708/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,264
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,414
−HK$3,200/mo
Today · 4.125%
HK$107,614
baseline
▲ 0.50% · 4.625%
HK$114,162
+HK$6,548/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,228/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,655
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,676
−HK$3,065/mo
Today · 4.125%
HK$118,741
baseline
▲ 0.50% · 4.625%
HK$125,000
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,482/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,545 · Scale 2, in force from 26 Feb 2026)