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$56,168
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,915
−HK$1,775/mo
Today · 4.125%
HK$59,690
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,380/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,487
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,162
−HK$1,700/mo
Today · 4.125%
HK$65,862
baseline
▲ 0.50% · 4.625%
HK$69,334
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,724/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,402
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,498
−HK$2,131/mo
Today · 4.125%
HK$71,629
baseline
▲ 0.50% · 4.625%
HK$75,987
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,258/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,984
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,995
−HK$2,040/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,201
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,635
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,081
−HK$2,486/mo
Today · 4.125%
HK$83,567
baseline
▲ 0.50% · 4.625%
HK$88,651
+HK$5,084/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,134/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,481
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,827
−HK$2,380/mo
Today · 4.125%
HK$92,207
baseline
▲ 0.50% · 4.625%
HK$97,068
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,414/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,103
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,248
−HK$3,195/mo
Today · 4.125%
HK$107,443
baseline
▲ 0.50% · 4.625%
HK$113,980
+HK$6,537/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,886/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,476
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,492
−HK$3,060/mo
Today · 4.125%
HK$118,552
baseline
▲ 0.50% · 4.625%
HK$124,802
+HK$6,250/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,104/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,877 · Scale 2, in force from 26 Feb 2026)