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$56,315
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,067
−HK$1,779/mo
Today · 4.125%
HK$59,846
baseline
▲ 0.50% · 4.625%
HK$63,488
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,692/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,650
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,330
−HK$1,705/mo
Today · 4.125%
HK$66,035
baseline
▲ 0.50% · 4.625%
HK$69,515
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,070/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,578
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,680
−HK$2,136/mo
Today · 4.125%
HK$71,816
baseline
▲ 0.50% · 4.625%
HK$76,186
+HK$4,370/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,632/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,180
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,196
−HK$2,046/mo
Today · 4.125%
HK$79,242
baseline
▲ 0.50% · 4.625%
HK$83,419
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,484/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,841
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,293
−HK$2,492/mo
Today · 4.125%
HK$83,785
baseline
▲ 0.50% · 4.625%
HK$88,883
+HK$5,098/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,570/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,710
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,062
−HK$2,387/mo
Today · 4.125%
HK$92,449
baseline
▲ 0.50% · 4.625%
HK$97,322
+HK$4,873/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,898/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,367
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,520
−HK$3,204/mo
Today · 4.125%
HK$107,724
baseline
▲ 0.50% · 4.625%
HK$114,278
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,448/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,770
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,794
−HK$3,068/mo
Today · 4.125%
HK$118,862
baseline
▲ 0.50% · 4.625%
HK$125,128
+HK$6,266/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,724/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,614 · Scale 2, in force from 26 Feb 2026)