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$56,203
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,951
−HK$1,776/mo
Today · 4.125%
HK$59,727
baseline
▲ 0.50% · 4.625%
HK$63,361
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,454/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,525
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,202
−HK$1,701/mo
Today · 4.125%
HK$65,903
baseline
▲ 0.50% · 4.625%
HK$69,377
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,806/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,443
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,541
−HK$2,131/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$76,033
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,030
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,042
−HK$2,041/mo
Today · 4.125%
HK$79,083
baseline
▲ 0.50% · 4.625%
HK$83,252
+HK$4,169/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,166/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,684
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,131
−HK$2,487/mo
Today · 4.125%
HK$83,618
baseline
▲ 0.50% · 4.625%
HK$88,706
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,236/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,535
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,882
−HK$2,382/mo
Today · 4.125%
HK$92,264
baseline
▲ 0.50% · 4.625%
HK$97,127
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,528/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,165
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,311
−HK$3,197/mo
Today · 4.125%
HK$107,508
baseline
▲ 0.50% · 4.625%
HK$114,050
+HK$6,542/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,016/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,545
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,563
−HK$3,062/mo
Today · 4.125%
HK$118,625
baseline
▲ 0.50% · 4.625%
HK$124,878
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,250/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,517 · Scale 2, in force from 26 Feb 2026)