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$55,956
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,697
−HK$1,768/mo
Today · 4.125%
HK$59,465
baseline
▲ 0.50% · 4.625%
HK$63,083
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,930/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,251
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,920
−HK$1,694/mo
Today · 4.125%
HK$65,614
baseline
▲ 0.50% · 4.625%
HK$69,072
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,228/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,147
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,236
−HK$2,122/mo
Today · 4.125%
HK$71,358
baseline
▲ 0.50% · 4.625%
HK$75,700
+HK$4,342/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,716/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,701
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,704
−HK$2,033/mo
Today · 4.125%
HK$78,737
baseline
▲ 0.50% · 4.625%
HK$82,887
+HK$4,150/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,474/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,339
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,775
−HK$2,476/mo
Today · 4.125%
HK$83,251
baseline
▲ 0.50% · 4.625%
HK$88,317
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,502/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,151
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,488
−HK$2,371/mo
Today · 4.125%
HK$91,859
baseline
▲ 0.50% · 4.625%
HK$96,701
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,718/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,721
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,854
−HK$3,183/mo
Today · 4.125%
HK$107,037
baseline
▲ 0.50% · 4.625%
HK$113,550
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,074/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,051
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,056
−HK$3,049/mo
Today · 4.125%
HK$118,105
baseline
▲ 0.50% · 4.625%
HK$124,330
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,210/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,924 · Scale 2, in force from 26 Feb 2026)