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$55,976
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,717
−HK$1,769/mo
Today · 4.125%
HK$59,486
baseline
▲ 0.50% · 4.625%
HK$63,106
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,972/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,273
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,943
−HK$1,694/mo
Today · 4.125%
HK$65,637
baseline
▲ 0.50% · 4.625%
HK$69,097
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,274/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,171
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,260
−HK$2,123/mo
Today · 4.125%
HK$71,383
baseline
▲ 0.50% · 4.625%
HK$75,727
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,766/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,727
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,731
−HK$2,033/mo
Today · 4.125%
HK$78,764
baseline
▲ 0.50% · 4.625%
HK$82,916
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,528/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,366
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,804
−HK$2,477/mo
Today · 4.125%
HK$83,281
baseline
▲ 0.50% · 4.625%
HK$88,348
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,562/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,182
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,520
−HK$2,372/mo
Today · 4.125%
HK$91,892
baseline
▲ 0.50% · 4.625%
HK$96,736
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,784/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,757
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,891
−HK$3,184/mo
Today · 4.125%
HK$107,075
baseline
▲ 0.50% · 4.625%
HK$113,590
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,150/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,091
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,097
−HK$3,050/mo
Today · 4.125%
HK$118,147
baseline
▲ 0.50% · 4.625%
HK$124,374
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,294/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,294 · Scale 2, in force from 26 Feb 2026)