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$56,232
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,981
−HK$1,778/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$63,395
+HK$3,636/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,558
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,236
−HK$1,702/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,413
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$2,132/mo
Today · 4.125%
HK$71,710
baseline
▲ 0.50% · 4.625%
HK$76,074
+HK$4,364/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,420/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,083
−HK$2,042/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,296
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,725
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,174
−HK$2,488/mo
Today · 4.125%
HK$83,662
baseline
▲ 0.50% · 4.625%
HK$88,753
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,324/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,581
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,930
−HK$2,383/mo
Today · 4.125%
HK$92,313
baseline
▲ 0.50% · 4.625%
HK$97,179
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,626/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,218
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,367
−HK$3,198/mo
Today · 4.125%
HK$107,565
baseline
▲ 0.50% · 4.625%
HK$114,110
+HK$6,545/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,130/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,604
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,624
−HK$3,064/mo
Today · 4.125%
HK$118,688
baseline
▲ 0.50% · 4.625%
HK$124,944
+HK$6,256/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,376/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,072 · Scale 2, in force from 26 Feb 2026)