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$56,297
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,048
−HK$1,779/mo
Today · 4.125%
HK$59,827
baseline
▲ 0.50% · 4.625%
HK$63,467
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,654/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,629
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,309
−HK$1,704/mo
Today · 4.125%
HK$66,013
baseline
▲ 0.50% · 4.625%
HK$69,493
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,026/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,556
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,657
−HK$2,135/mo
Today · 4.125%
HK$71,792
baseline
▲ 0.50% · 4.625%
HK$76,161
+HK$4,369/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$143,584/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,155
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,171
−HK$2,045/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$83,391
+HK$4,175/mo
Deposit HK$9.88M · loan HK$14.81M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,815
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,267
−HK$2,491/mo
Today · 4.125%
HK$83,758
baseline
▲ 0.50% · 4.625%
HK$88,854
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,516/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,681
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,033
−HK$2,385/mo
Today · 4.125%
HK$92,418
baseline
▲ 0.50% · 4.625%
HK$97,290
+HK$4,872/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,836/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,334
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,486
−HK$3,202/mo
Today · 4.125%
HK$107,688
baseline
▲ 0.50% · 4.625%
HK$114,241
+HK$6,553/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,376/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,733
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,756
−HK$3,067/mo
Today · 4.125%
HK$118,823
baseline
▲ 0.50% · 4.625%
HK$125,087
+HK$6,264/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,646/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,270 · Scale 2, in force from 26 Feb 2026)