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$56,023
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,766
−HK$1,770/mo
Today · 4.125%
HK$59,536
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,623/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,072/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,325
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,996
−HK$1,696/mo
Today · 4.125%
HK$65,692
baseline
▲ 0.50% · 4.625%
HK$69,155
+HK$3,463/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,384/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,228
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,319
−HK$2,124/mo
Today · 4.125%
HK$71,443
baseline
▲ 0.50% · 4.625%
HK$75,790
+HK$4,347/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,886/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,790
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,035/mo
Today · 4.125%
HK$78,831
baseline
▲ 0.50% · 4.625%
HK$82,986
+HK$4,155/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,662/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,432
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,872
−HK$2,478/mo
Today · 4.125%
HK$83,350
baseline
▲ 0.50% · 4.625%
HK$88,422
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,700/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,255
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,595
−HK$2,374/mo
Today · 4.125%
HK$91,969
baseline
▲ 0.50% · 4.625%
HK$96,817
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,938/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,841
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,978
−HK$3,187/mo
Today · 4.125%
HK$107,165
baseline
▲ 0.50% · 4.625%
HK$113,686
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,330/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,185
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,194
−HK$3,052/mo
Today · 4.125%
HK$118,246
baseline
▲ 0.50% · 4.625%
HK$124,479
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,492/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,170 · Scale 2, in force from 26 Feb 2026)