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$56,302
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,053
−HK$1,780/mo
Today · 4.125%
HK$59,833
baseline
▲ 0.50% · 4.625%
HK$63,473
+HK$3,640/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,666/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,635
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,315
−HK$1,704/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$69,499
+HK$3,480/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,562
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,664
−HK$2,135/mo
Today · 4.125%
HK$71,799
baseline
▲ 0.50% · 4.625%
HK$76,168
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,598/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,162
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,178
−HK$2,045/mo
Today · 4.125%
HK$79,223
baseline
▲ 0.50% · 4.625%
HK$83,399
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,446/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,823
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,275
−HK$2,491/mo
Today · 4.125%
HK$83,766
baseline
▲ 0.50% · 4.625%
HK$88,863
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,532/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,690
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,041
−HK$2,386/mo
Today · 4.125%
HK$92,427
baseline
▲ 0.50% · 4.625%
HK$97,299
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,854/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,344
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,496
−HK$3,203/mo
Today · 4.125%
HK$107,699
baseline
▲ 0.50% · 4.625%
HK$114,252
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,398/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,744
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,767
−HK$3,068/mo
Today · 4.125%
HK$118,835
baseline
▲ 0.50% · 4.625%
HK$125,099
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,670/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,371 · Scale 2, in force from 26 Feb 2026)