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$56,272
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,023
−HK$1,778/mo
Today · 4.125%
HK$59,801
baseline
▲ 0.50% · 4.625%
HK$63,440
+HK$3,639/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,602/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,602
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,281
−HK$1,703/mo
Today · 4.125%
HK$65,984
baseline
▲ 0.50% · 4.625%
HK$69,463
+HK$3,479/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,968/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,527
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$2,134/mo
Today · 4.125%
HK$71,761
baseline
▲ 0.50% · 4.625%
HK$76,128
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,522/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,123
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,044/mo
Today · 4.125%
HK$79,181
baseline
▲ 0.50% · 4.625%
HK$83,355
+HK$4,174/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,362/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,781
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,232
−HK$2,489/mo
Today · 4.125%
HK$83,721
baseline
▲ 0.50% · 4.625%
HK$88,816
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,442/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,643
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,994
−HK$2,384/mo
Today · 4.125%
HK$92,378
baseline
▲ 0.50% · 4.625%
HK$97,248
+HK$4,870/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,756/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,290
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,441
−HK$3,201/mo
Today · 4.125%
HK$107,642
baseline
▲ 0.50% · 4.625%
HK$114,191
+HK$6,549/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,284/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,684
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,706
−HK$3,066/mo
Today · 4.125%
HK$118,772
baseline
▲ 0.50% · 4.625%
HK$125,033
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,544/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,815 · Scale 2, in force from 26 Feb 2026)