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$56,298
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,049
−HK$1,780/mo
Today · 4.125%
HK$59,829
baseline
▲ 0.50% · 4.625%
HK$63,469
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,658/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,631
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,311
−HK$1,704/mo
Today · 4.125%
HK$66,015
baseline
▲ 0.50% · 4.625%
HK$69,495
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,030/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,558
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,659
−HK$2,135/mo
Today · 4.125%
HK$71,794
baseline
▲ 0.50% · 4.625%
HK$76,163
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,588/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,157
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,173
−HK$2,045/mo
Today · 4.125%
HK$79,218
baseline
▲ 0.50% · 4.625%
HK$83,394
+HK$4,176/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,436/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,817
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,269
−HK$2,491/mo
Today · 4.125%
HK$83,760
baseline
▲ 0.50% · 4.625%
HK$88,857
+HK$5,097/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,520/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,684
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,035
−HK$2,386/mo
Today · 4.125%
HK$92,421
baseline
▲ 0.50% · 4.625%
HK$97,292
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,842/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,337
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,489
−HK$3,202/mo
Today · 4.125%
HK$107,691
baseline
▲ 0.50% · 4.625%
HK$114,244
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,382/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,736
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,760
−HK$3,067/mo
Today · 4.125%
HK$118,827
baseline
▲ 0.50% · 4.625%
HK$125,090
+HK$6,263/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,654/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,299 · Scale 2, in force from 26 Feb 2026)