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$56,185
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,933
−HK$1,775/mo
Today · 4.125%
HK$59,708
baseline
▲ 0.50% · 4.625%
HK$63,341
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,416/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,505
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,700/mo
Today · 4.125%
HK$65,882
baseline
▲ 0.50% · 4.625%
HK$69,355
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,764/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,422
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,519
−HK$2,131/mo
Today · 4.125%
HK$71,650
baseline
▲ 0.50% · 4.625%
HK$76,010
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,300/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,006
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,018
−HK$2,041/mo
Today · 4.125%
HK$79,059
baseline
▲ 0.50% · 4.625%
HK$83,226
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,118/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,659
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,106
−HK$2,485/mo
Today · 4.125%
HK$83,591
baseline
▲ 0.50% · 4.625%
HK$88,678
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,182/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,507
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,854
−HK$2,381/mo
Today · 4.125%
HK$92,235
baseline
▲ 0.50% · 4.625%
HK$97,097
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,470/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,133
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,279
−HK$3,196/mo
Today · 4.125%
HK$107,475
baseline
▲ 0.50% · 4.625%
HK$114,014
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,950/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,509
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,527
−HK$3,061/mo
Today · 4.125%
HK$118,588
baseline
▲ 0.50% · 4.625%
HK$124,839
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,176/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,189 · Scale 2, in force from 26 Feb 2026)