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$56,316
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,068
−HK$1,780/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,489
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,651
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,331
−HK$1,705/mo
Today · 4.125%
HK$66,036
baseline
▲ 0.50% · 4.625%
HK$69,517
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,072/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,579
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,681
−HK$2,136/mo
Today · 4.125%
HK$71,817
baseline
▲ 0.50% · 4.625%
HK$76,187
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,634/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,181
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,198
−HK$2,045/mo
Today · 4.125%
HK$79,243
baseline
▲ 0.50% · 4.625%
HK$83,420
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,486/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,843
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,295
−HK$2,492/mo
Today · 4.125%
HK$83,787
baseline
▲ 0.50% · 4.625%
HK$88,885
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,574/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,712
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,064
−HK$2,386/mo
Today · 4.125%
HK$92,450
baseline
▲ 0.50% · 4.625%
HK$97,324
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,900/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,369
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,522
−HK$3,204/mo
Today · 4.125%
HK$107,726
baseline
▲ 0.50% · 4.625%
HK$114,281
+HK$6,555/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,452/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,772
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,796
−HK$3,069/mo
Today · 4.125%
HK$118,865
baseline
▲ 0.50% · 4.625%
HK$125,130
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,730/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,634 · Scale 2, in force from 26 Feb 2026)