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$56,248
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,998
−HK$1,777/mo
Today · 4.125%
HK$59,775
baseline
▲ 0.50% · 4.625%
HK$63,413
+HK$3,638/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,550/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,576
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,254
−HK$1,702/mo
Today · 4.125%
HK$65,956
baseline
▲ 0.50% · 4.625%
HK$69,433
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,912/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,498
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,597
−HK$2,134/mo
Today · 4.125%
HK$71,731
baseline
▲ 0.50% · 4.625%
HK$76,095
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,462/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,091
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,105
−HK$2,043/mo
Today · 4.125%
HK$79,148
baseline
▲ 0.50% · 4.625%
HK$83,320
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,296/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,747
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,197
−HK$2,489/mo
Today · 4.125%
HK$83,686
baseline
▲ 0.50% · 4.625%
HK$88,778
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,372/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,606
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,955
−HK$2,384/mo
Today · 4.125%
HK$92,339
baseline
▲ 0.50% · 4.625%
HK$97,206
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,678/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,247
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,396
−HK$3,200/mo
Today · 4.125%
HK$107,596
baseline
▲ 0.50% · 4.625%
HK$114,143
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,192/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,636
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,657
−HK$3,064/mo
Today · 4.125%
HK$118,721
baseline
▲ 0.50% · 4.625%
HK$124,979
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,442/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,369 · Scale 2, in force from 26 Feb 2026)