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$56,310
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,061
−HK$1,780/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$63,482
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,644
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,324
−HK$1,704/mo
Today · 4.125%
HK$66,028
baseline
▲ 0.50% · 4.625%
HK$69,509
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,056/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,571
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,673
−HK$2,136/mo
Today · 4.125%
HK$71,809
baseline
▲ 0.50% · 4.625%
HK$76,178
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,618/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,173
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,189
−HK$2,045/mo
Today · 4.125%
HK$79,234
baseline
▲ 0.50% · 4.625%
HK$83,410
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,468/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,833
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,285
−HK$2,492/mo
Today · 4.125%
HK$83,777
baseline
▲ 0.50% · 4.625%
HK$88,874
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,554/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,701
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,387/mo
Today · 4.125%
HK$92,440
baseline
▲ 0.50% · 4.625%
HK$97,312
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,880/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,357
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,510
−HK$3,203/mo
Today · 4.125%
HK$107,713
baseline
▲ 0.50% · 4.625%
HK$114,267
+HK$6,554/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,426/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,759
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,783
−HK$3,068/mo
Today · 4.125%
HK$118,851
baseline
▲ 0.50% · 4.625%
HK$125,116
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,702/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,512 · Scale 2, in force from 26 Feb 2026)