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$56,173
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,921
−HK$1,775/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$63,328
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,492
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,168
−HK$1,701/mo
Today · 4.125%
HK$65,869
baseline
▲ 0.50% · 4.625%
HK$69,341
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,738/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,408
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,505
−HK$2,130/mo
Today · 4.125%
HK$71,635
baseline
▲ 0.50% · 4.625%
HK$75,994
+HK$4,359/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,270/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,991
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$77,002
−HK$2,040/mo
Today · 4.125%
HK$79,042
baseline
▲ 0.50% · 4.625%
HK$83,209
+HK$4,167/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,084/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,643
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,089
−HK$2,485/mo
Today · 4.125%
HK$83,574
baseline
▲ 0.50% · 4.625%
HK$88,660
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,148/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,489
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,836
−HK$2,380/mo
Today · 4.125%
HK$92,216
baseline
▲ 0.50% · 4.625%
HK$97,077
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,432/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,112
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,257
−HK$3,196/mo
Today · 4.125%
HK$107,453
baseline
▲ 0.50% · 4.625%
HK$113,991
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,906/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,486
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,503
−HK$3,060/mo
Today · 4.125%
HK$118,563
baseline
▲ 0.50% · 4.625%
HK$124,813
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,126/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,974 · Scale 2, in force from 26 Feb 2026)