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$56,027
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,770
−HK$1,770/mo
Today · 4.125%
HK$59,540
baseline
▲ 0.50% · 4.625%
HK$63,163
+HK$3,623/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,080/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,329
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,001
−HK$1,696/mo
Today · 4.125%
HK$65,697
baseline
▲ 0.50% · 4.625%
HK$69,160
+HK$3,463/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,394/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,232
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$2,125/mo
Today · 4.125%
HK$71,448
baseline
▲ 0.50% · 4.625%
HK$75,796
+HK$4,348/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,896/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,801
−HK$2,035/mo
Today · 4.125%
HK$78,836
baseline
▲ 0.50% · 4.625%
HK$82,992
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,672/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,438
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,877
−HK$2,479/mo
Today · 4.125%
HK$83,356
baseline
▲ 0.50% · 4.625%
HK$88,428
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,712/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,261
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,601
−HK$2,374/mo
Today · 4.125%
HK$91,975
baseline
▲ 0.50% · 4.625%
HK$96,824
+HK$4,849/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,950/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,848
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,985
−HK$3,187/mo
Today · 4.125%
HK$107,172
baseline
▲ 0.50% · 4.625%
HK$113,694
+HK$6,522/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,344/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,193
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,202
−HK$3,052/mo
Today · 4.125%
HK$118,254
baseline
▲ 0.50% · 4.625%
HK$124,487
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,508/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,243 · Scale 2, in force from 26 Feb 2026)