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$56,232
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,981
−HK$1,777/mo
Today · 4.125%
HK$59,758
baseline
▲ 0.50% · 4.625%
HK$63,394
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,516/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,558
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,235
−HK$1,702/mo
Today · 4.125%
HK$65,937
baseline
▲ 0.50% · 4.625%
HK$69,413
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,874/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,478
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,577
−HK$2,133/mo
Today · 4.125%
HK$71,710
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,420/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,082
−HK$2,043/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,296
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,725
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,174
−HK$2,488/mo
Today · 4.125%
HK$83,662
baseline
▲ 0.50% · 4.625%
HK$88,752
+HK$5,090/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,324/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,581
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,929
−HK$2,383/mo
Today · 4.125%
HK$92,312
baseline
▲ 0.50% · 4.625%
HK$97,178
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,624/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,218
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,366
−HK$3,199/mo
Today · 4.125%
HK$107,565
baseline
▲ 0.50% · 4.625%
HK$114,110
+HK$6,545/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,130/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,604
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,624
−HK$3,063/mo
Today · 4.125%
HK$118,687
baseline
▲ 0.50% · 4.625%
HK$124,943
+HK$6,256/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,374/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,068 · Scale 2, in force from 26 Feb 2026)