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$56,062
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,806
−HK$1,772/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$63,203
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,369
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,041
−HK$1,697/mo
Today · 4.125%
HK$65,738
baseline
▲ 0.50% · 4.625%
HK$69,203
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,476/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,275
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,367
−HK$2,126/mo
Today · 4.125%
HK$71,493
baseline
▲ 0.50% · 4.625%
HK$75,844
+HK$4,351/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,986/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,842
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,850
−HK$2,036/mo
Today · 4.125%
HK$78,886
baseline
▲ 0.50% · 4.625%
HK$83,044
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,772/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,487
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,929
−HK$2,480/mo
Today · 4.125%
HK$83,409
baseline
▲ 0.50% · 4.625%
HK$88,484
+HK$5,075/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,818/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,316
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,658
−HK$2,376/mo
Today · 4.125%
HK$92,034
baseline
▲ 0.50% · 4.625%
HK$96,885
+HK$4,851/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,068/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,912
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,051
−HK$3,189/mo
Today · 4.125%
HK$107,240
baseline
▲ 0.50% · 4.625%
HK$113,766
+HK$6,526/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,480/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,264
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,275
−HK$3,054/mo
Today · 4.125%
HK$118,329
baseline
▲ 0.50% · 4.625%
HK$124,566
+HK$6,237/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,658/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,904 · Scale 2, in force from 26 Feb 2026)