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$56,279
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,029
−HK$1,779/mo
Today · 4.125%
HK$59,808
baseline
▲ 0.50% · 4.625%
HK$63,447
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,616/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,609
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,289
−HK$1,703/mo
Today · 4.125%
HK$65,992
baseline
▲ 0.50% · 4.625%
HK$69,470
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,984/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,534
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,635
−HK$2,134/mo
Today · 4.125%
HK$71,769
baseline
▲ 0.50% · 4.625%
HK$76,136
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,538/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,131
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,146
−HK$2,044/mo
Today · 4.125%
HK$79,190
baseline
▲ 0.50% · 4.625%
HK$83,365
+HK$4,175/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,380/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,790
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,241
−HK$2,490/mo
Today · 4.125%
HK$83,731
baseline
▲ 0.50% · 4.625%
HK$88,826
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$167,462/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,653
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,004
−HK$2,385/mo
Today · 4.125%
HK$92,389
baseline
▲ 0.50% · 4.625%
HK$97,259
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.28M · min. income ≈ HK$184,778/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,301
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,452
−HK$3,202/mo
Today · 4.125%
HK$107,654
baseline
▲ 0.50% · 4.625%
HK$114,204
+HK$6,550/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,308/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,697
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,719
−HK$3,067/mo
Today · 4.125%
HK$118,786
baseline
▲ 0.50% · 4.625%
HK$125,047
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,572/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,935 · Scale 2, in force from 26 Feb 2026)