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$56,148
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,895
−HK$1,774/mo
Today · 4.125%
HK$59,669
baseline
▲ 0.50% · 4.625%
HK$63,300
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,338/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,464
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,140
−HK$1,699/mo
Today · 4.125%
HK$65,839
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,678/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,378
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,474
−HK$2,129/mo
Today · 4.125%
HK$71,603
baseline
▲ 0.50% · 4.625%
HK$75,960
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,206/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,957
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,967
−HK$2,040/mo
Today · 4.125%
HK$79,007
baseline
▲ 0.50% · 4.625%
HK$83,171
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,014/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,607
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,053
−HK$2,484/mo
Today · 4.125%
HK$83,537
baseline
▲ 0.50% · 4.625%
HK$88,620
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,074/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,450
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,795
−HK$2,380/mo
Today · 4.125%
HK$92,175
baseline
▲ 0.50% · 4.625%
HK$97,033
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,350/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,067
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,211
−HK$3,194/mo
Today · 4.125%
HK$107,405
baseline
▲ 0.50% · 4.625%
HK$113,940
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,810/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,436
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,451
−HK$3,059/mo
Today · 4.125%
HK$118,510
baseline
▲ 0.50% · 4.625%
HK$124,757
+HK$6,247/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,020/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,505 · Scale 2, in force from 26 Feb 2026)