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$56,293
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,044
−HK$1,779/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$63,463
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,625
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,304
−HK$1,704/mo
Today · 4.125%
HK$66,008
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,016/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,551
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,652
−HK$2,135/mo
Today · 4.125%
HK$71,787
baseline
▲ 0.50% · 4.625%
HK$76,155
+HK$4,368/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,574/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,150
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,165
−HK$2,045/mo
Today · 4.125%
HK$79,210
baseline
▲ 0.50% · 4.625%
HK$83,385
+HK$4,175/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,420/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,810
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,261
−HK$2,491/mo
Today · 4.125%
HK$83,752
baseline
▲ 0.50% · 4.625%
HK$88,848
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,504/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,675
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,026
−HK$2,386/mo
Today · 4.125%
HK$92,412
baseline
▲ 0.50% · 4.625%
HK$97,283
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,824/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,327
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,478
−HK$3,203/mo
Today · 4.125%
HK$107,681
baseline
▲ 0.50% · 4.625%
HK$114,233
+HK$6,552/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,362/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,725
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,748
−HK$3,067/mo
Today · 4.125%
HK$118,815
baseline
▲ 0.50% · 4.625%
HK$125,078
+HK$6,263/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,630/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,195 · Scale 2, in force from 26 Feb 2026)