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$56,299
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,051
−HK$1,779/mo
Today · 4.125%
HK$59,830
baseline
▲ 0.50% · 4.625%
HK$63,470
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,660/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,633
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,312
−HK$1,704/mo
Today · 4.125%
HK$66,016
baseline
▲ 0.50% · 4.625%
HK$69,496
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,032/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,559
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,661
−HK$2,135/mo
Today · 4.125%
HK$71,796
baseline
▲ 0.50% · 4.625%
HK$76,164
+HK$4,368/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,592/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,159
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,175
−HK$2,045/mo
Today · 4.125%
HK$79,220
baseline
▲ 0.50% · 4.625%
HK$83,395
+HK$4,175/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,440/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,819
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,271
−HK$2,491/mo
Today · 4.125%
HK$83,762
baseline
▲ 0.50% · 4.625%
HK$88,859
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,524/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,686
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,037
−HK$2,386/mo
Today · 4.125%
HK$92,423
baseline
▲ 0.50% · 4.625%
HK$97,295
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,846/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,339
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,491
−HK$3,203/mo
Today · 4.125%
HK$107,694
baseline
▲ 0.50% · 4.625%
HK$114,247
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,388/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,739
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,762
−HK$3,067/mo
Today · 4.125%
HK$118,829
baseline
▲ 0.50% · 4.625%
HK$125,093
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,658/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,324 · Scale 2, in force from 26 Feb 2026)