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$56,497
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,255
−HK$1,785/mo
Today · 4.125%
HK$60,040
baseline
▲ 0.50% · 4.625%
HK$63,694
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,080/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,853
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,538
−HK$1,711/mo
Today · 4.125%
HK$66,249
baseline
▲ 0.50% · 4.625%
HK$69,741
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,498/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,797
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,906
−HK$2,142/mo
Today · 4.125%
HK$72,048
baseline
▲ 0.50% · 4.625%
HK$76,432
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,096/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,423
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,446
−HK$2,052/mo
Today · 4.125%
HK$79,498
baseline
▲ 0.50% · 4.625%
HK$83,689
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$158,996/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,096
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,557
−HK$2,499/mo
Today · 4.125%
HK$84,056
baseline
▲ 0.50% · 4.625%
HK$89,171
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,112/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,994
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,354
−HK$2,394/mo
Today · 4.125%
HK$92,748
baseline
▲ 0.50% · 4.625%
HK$97,637
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,496/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,695
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,859
−HK$3,213/mo
Today · 4.125%
HK$108,072
baseline
▲ 0.50% · 4.625%
HK$114,648
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,144/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,135
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,169
−HK$3,078/mo
Today · 4.125%
HK$119,247
baseline
▲ 0.50% · 4.625%
HK$125,533
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,494/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,013 · Scale 2, in force from 26 Feb 2026)