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$56,165
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,912
−HK$1,775/mo
Today · 4.125%
HK$59,687
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,631/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,374/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,700/mo
Today · 4.125%
HK$65,858
baseline
▲ 0.50% · 4.625%
HK$69,330
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,716/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,398
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,494
−HK$2,130/mo
Today · 4.125%
HK$71,624
baseline
▲ 0.50% · 4.625%
HK$75,982
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,248/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,979
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,990
−HK$2,040/mo
Today · 4.125%
HK$79,030
baseline
▲ 0.50% · 4.625%
HK$83,196
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,060/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,630
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,076
−HK$2,485/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$88,646
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,476
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,822
−HK$2,380/mo
Today · 4.125%
HK$92,202
baseline
▲ 0.50% · 4.625%
HK$97,062
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,404/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,096
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,241
−HK$3,195/mo
Today · 4.125%
HK$107,436
baseline
▲ 0.50% · 4.625%
HK$113,973
+HK$6,537/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,872/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,469
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,485
−HK$3,060/mo
Today · 4.125%
HK$118,545
baseline
▲ 0.50% · 4.625%
HK$124,794
+HK$6,249/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,090/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,810 · Scale 2, in force from 26 Feb 2026)