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$55,981
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,722
−HK$1,770/mo
Today · 4.125%
HK$59,492
baseline
▲ 0.50% · 4.625%
HK$63,111
+HK$3,619/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$118,984/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,278
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,949
−HK$1,694/mo
Today · 4.125%
HK$65,643
baseline
▲ 0.50% · 4.625%
HK$69,103
+HK$3,460/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,286/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,177
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,267
−HK$2,123/mo
Today · 4.125%
HK$71,390
baseline
▲ 0.50% · 4.625%
HK$75,734
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,780/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,734
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,738
−HK$2,034/mo
Today · 4.125%
HK$78,772
baseline
▲ 0.50% · 4.625%
HK$82,924
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,544/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,373
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,811
−HK$2,477/mo
Today · 4.125%
HK$83,288
baseline
▲ 0.50% · 4.625%
HK$88,356
+HK$5,068/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,576/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,190
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,528
−HK$2,372/mo
Today · 4.125%
HK$91,900
baseline
▲ 0.50% · 4.625%
HK$96,745
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,800/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,766
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,900
−HK$3,185/mo
Today · 4.125%
HK$107,085
baseline
▲ 0.50% · 4.625%
HK$113,601
+HK$6,516/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,170/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,101
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,108
−HK$3,050/mo
Today · 4.125%
HK$118,158
baseline
▲ 0.50% · 4.625%
HK$124,386
+HK$6,228/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,316/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,390 · Scale 2, in force from 26 Feb 2026)