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$56,195
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,943
−HK$1,776/mo
Today · 4.125%
HK$59,719
baseline
▲ 0.50% · 4.625%
HK$63,353
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,438/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,516
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,193
−HK$1,701/mo
Today · 4.125%
HK$65,894
baseline
▲ 0.50% · 4.625%
HK$69,367
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,788/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,434
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,532
−HK$2,131/mo
Today · 4.125%
HK$71,663
baseline
▲ 0.50% · 4.625%
HK$76,023
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,326/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,020
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,032
−HK$2,041/mo
Today · 4.125%
HK$79,073
baseline
▲ 0.50% · 4.625%
HK$83,241
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,146/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,673
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,120
−HK$2,487/mo
Today · 4.125%
HK$83,607
baseline
▲ 0.50% · 4.625%
HK$88,694
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,214/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,523
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,870
−HK$2,382/mo
Today · 4.125%
HK$92,252
baseline
▲ 0.50% · 4.625%
HK$97,114
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,504/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,151
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,297
−HK$3,197/mo
Today · 4.125%
HK$107,494
baseline
▲ 0.50% · 4.625%
HK$114,035
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,988/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,530
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,548
−HK$3,061/mo
Today · 4.125%
HK$118,609
baseline
▲ 0.50% · 4.625%
HK$124,861
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,218/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,378 · Scale 2, in force from 26 Feb 2026)