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$56,294
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,045
−HK$1,779/mo
Today · 4.125%
HK$59,824
baseline
▲ 0.50% · 4.625%
HK$63,464
+HK$3,640/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,648/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,626
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,306
−HK$1,703/mo
Today · 4.125%
HK$66,009
baseline
▲ 0.50% · 4.625%
HK$69,489
+HK$3,480/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$132,018/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,552
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,653
−HK$2,135/mo
Today · 4.125%
HK$71,788
baseline
▲ 0.50% · 4.625%
HK$76,156
+HK$4,368/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$143,576/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,151
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,167
−HK$2,044/mo
Today · 4.125%
HK$79,211
baseline
▲ 0.50% · 4.625%
HK$83,387
+HK$4,176/mo
Deposit HK$9.87M · loan HK$14.81M · min. income ≈ HK$158,422/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,811
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,262
−HK$2,491/mo
Today · 4.125%
HK$83,753
baseline
▲ 0.50% · 4.625%
HK$88,849
+HK$5,096/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$167,506/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,676
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,028
−HK$2,385/mo
Today · 4.125%
HK$92,413
baseline
▲ 0.50% · 4.625%
HK$97,284
+HK$4,871/mo
Deposit HK$7.41M · loan HK$17.28M · min. income ≈ HK$184,826/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,328
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,480
−HK$3,203/mo
Today · 4.125%
HK$107,683
baseline
▲ 0.50% · 4.625%
HK$114,235
+HK$6,552/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$215,366/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,727
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,750
−HK$3,067/mo
Today · 4.125%
HK$118,817
baseline
▲ 0.50% · 4.625%
HK$125,080
+HK$6,263/mo
Deposit HK$2.47M · loan HK$22.22M · min. income ≈ HK$237,634/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,213 · Scale 2, in force from 26 Feb 2026)