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$56,271
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,021
−HK$1,779/mo
Today · 4.125%
HK$59,800
baseline
▲ 0.50% · 4.625%
HK$63,438
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,600/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,601
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,280
−HK$1,703/mo
Today · 4.125%
HK$65,983
baseline
▲ 0.50% · 4.625%
HK$69,461
+HK$3,478/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,966/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,525
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,625
−HK$2,134/mo
Today · 4.125%
HK$71,759
baseline
▲ 0.50% · 4.625%
HK$76,126
+HK$4,367/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,518/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,121
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,136
−HK$2,044/mo
Today · 4.125%
HK$79,180
baseline
▲ 0.50% · 4.625%
HK$83,353
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,360/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,779
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,230
−HK$2,489/mo
Today · 4.125%
HK$83,719
baseline
▲ 0.50% · 4.625%
HK$88,814
+HK$5,095/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,438/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,641
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,992
−HK$2,384/mo
Today · 4.125%
HK$92,376
baseline
▲ 0.50% · 4.625%
HK$97,245
+HK$4,869/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,752/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,288
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,438
−HK$3,201/mo
Today · 4.125%
HK$107,639
baseline
▲ 0.50% · 4.625%
HK$114,189
+HK$6,550/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$215,278/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,681
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,703
−HK$3,066/mo
Today · 4.125%
HK$118,769
baseline
▲ 0.50% · 4.625%
HK$125,030
+HK$6,261/mo
Deposit HK$2.47M · loan HK$22.21M · min. income ≈ HK$237,538/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,792 · Scale 2, in force from 26 Feb 2026)