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$56,197
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,945
−HK$1,776/mo
Today · 4.125%
HK$59,721
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,442/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,195
−HK$1,701/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,436
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,534
−HK$2,131/mo
Today · 4.125%
HK$71,665
baseline
▲ 0.50% · 4.625%
HK$76,025
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,330/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,022
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,034
−HK$2,041/mo
Today · 4.125%
HK$79,075
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,150/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,675
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,123
−HK$2,486/mo
Today · 4.125%
HK$83,609
baseline
▲ 0.50% · 4.625%
HK$88,696
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,218/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,525
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,873
−HK$2,381/mo
Today · 4.125%
HK$92,254
baseline
▲ 0.50% · 4.625%
HK$97,117
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,508/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,154
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,300
−HK$3,197/mo
Today · 4.125%
HK$107,497
baseline
▲ 0.50% · 4.625%
HK$114,038
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,994/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,533
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,551
−HK$3,062/mo
Today · 4.125%
HK$118,613
baseline
▲ 0.50% · 4.625%
HK$124,865
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,226/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,408 · Scale 2, in force from 26 Feb 2026)