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$56,191
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,939
−HK$1,776/mo
Today · 4.125%
HK$59,715
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,430/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,512
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,189
−HK$1,700/mo
Today · 4.125%
HK$65,889
baseline
▲ 0.50% · 4.625%
HK$69,362
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,778/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,429
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,527
−HK$2,131/mo
Today · 4.125%
HK$71,658
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,316/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,014
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,026
−HK$2,041/mo
Today · 4.125%
HK$79,067
baseline
▲ 0.50% · 4.625%
HK$83,235
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,134/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,667
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,114
−HK$2,487/mo
Today · 4.125%
HK$83,601
baseline
▲ 0.50% · 4.625%
HK$88,688
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,202/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,517
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,864
−HK$2,381/mo
Today · 4.125%
HK$92,245
baseline
▲ 0.50% · 4.625%
HK$97,107
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,490/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,144
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,290
−HK$3,196/mo
Today · 4.125%
HK$107,486
baseline
▲ 0.50% · 4.625%
HK$114,027
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,972/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,522
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,539
−HK$3,062/mo
Today · 4.125%
HK$118,601
baseline
▲ 0.50% · 4.625%
HK$124,852
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,202/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,304 · Scale 2, in force from 26 Feb 2026)