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$56,104
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,849
−HK$1,773/mo
Today · 4.125%
HK$59,622
baseline
▲ 0.50% · 4.625%
HK$63,250
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,244/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,415
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,089
−HK$1,698/mo
Today · 4.125%
HK$65,787
baseline
▲ 0.50% · 4.625%
HK$69,255
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,574/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,419
−HK$2,128/mo
Today · 4.125%
HK$71,547
baseline
▲ 0.50% · 4.625%
HK$75,900
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,094/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,898
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,907
−HK$2,038/mo
Today · 4.125%
HK$78,945
baseline
▲ 0.50% · 4.625%
HK$83,106
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,890/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,545
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,989
−HK$2,482/mo
Today · 4.125%
HK$83,471
baseline
▲ 0.50% · 4.625%
HK$88,550
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,942/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,381
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,725
−HK$2,377/mo
Today · 4.125%
HK$92,102
baseline
▲ 0.50% · 4.625%
HK$96,957
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,204/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,987
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,128
−HK$3,192/mo
Today · 4.125%
HK$107,320
baseline
▲ 0.50% · 4.625%
HK$113,850
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,640/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,347
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,360
−HK$3,057/mo
Today · 4.125%
HK$118,417
baseline
▲ 0.50% · 4.625%
HK$124,659
+HK$6,242/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,834/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,679 · Scale 2, in force from 26 Feb 2026)