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$56,117
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,863
−HK$1,773/mo
Today · 4.125%
HK$59,636
baseline
▲ 0.50% · 4.625%
HK$63,265
+HK$3,629/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,272/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,430
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,104
−HK$1,699/mo
Today · 4.125%
HK$65,803
baseline
▲ 0.50% · 4.625%
HK$69,271
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,606/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,340
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,435
−HK$2,128/mo
Today · 4.125%
HK$71,563
baseline
▲ 0.50% · 4.625%
HK$75,918
+HK$4,355/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$143,126/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,916
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,925
−HK$2,038/mo
Today · 4.125%
HK$78,963
baseline
▲ 0.50% · 4.625%
HK$83,125
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$157,926/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,564
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,008
−HK$2,483/mo
Today · 4.125%
HK$83,491
baseline
▲ 0.50% · 4.625%
HK$88,571
+HK$5,080/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,982/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,402
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,746
−HK$2,378/mo
Today · 4.125%
HK$92,124
baseline
▲ 0.50% · 4.625%
HK$96,979
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,248/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,011
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,153
−HK$3,192/mo
Today · 4.125%
HK$107,345
baseline
▲ 0.50% · 4.625%
HK$113,877
+HK$6,532/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,690/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,373
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,387
−HK$3,058/mo
Today · 4.125%
HK$118,445
baseline
▲ 0.50% · 4.625%
HK$124,688
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,890/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,924 · Scale 2, in force from 26 Feb 2026)