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$56,301
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,053
−HK$1,779/mo
Today · 4.125%
HK$59,832
baseline
▲ 0.50% · 4.625%
HK$63,472
+HK$3,640/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,664/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,635
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,314
−HK$1,705/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$69,498
+HK$3,479/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,562
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,663
−HK$2,135/mo
Today · 4.125%
HK$71,798
baseline
▲ 0.50% · 4.625%
HK$76,167
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,596/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,162
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,177
−HK$2,045/mo
Today · 4.125%
HK$79,222
baseline
▲ 0.50% · 4.625%
HK$83,398
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,444/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,822
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,274
−HK$2,491/mo
Today · 4.125%
HK$83,765
baseline
▲ 0.50% · 4.625%
HK$88,861
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,530/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,688
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,040
−HK$2,386/mo
Today · 4.125%
HK$92,426
baseline
▲ 0.50% · 4.625%
HK$97,298
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,852/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,342
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,495
−HK$3,202/mo
Today · 4.125%
HK$107,697
baseline
▲ 0.50% · 4.625%
HK$114,250
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,394/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,742
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,766
−HK$3,067/mo
Today · 4.125%
HK$118,833
baseline
▲ 0.50% · 4.625%
HK$125,097
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,666/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,358 · Scale 2, in force from 26 Feb 2026)