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$56,438
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,194
−HK$1,784/mo
Today · 4.125%
HK$59,978
baseline
▲ 0.50% · 4.625%
HK$63,627
+HK$3,649/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,956/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,787
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,471
−HK$1,708/mo
Today · 4.125%
HK$66,179
baseline
▲ 0.50% · 4.625%
HK$69,668
+HK$3,489/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,358/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,833
−HK$2,140/mo
Today · 4.125%
HK$71,973
baseline
▲ 0.50% · 4.625%
HK$76,353
+HK$4,380/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,946/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,345
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,365
−HK$2,050/mo
Today · 4.125%
HK$79,415
baseline
▲ 0.50% · 4.625%
HK$83,601
+HK$4,186/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,830/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,014
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,472
−HK$2,497/mo
Today · 4.125%
HK$83,969
baseline
▲ 0.50% · 4.625%
HK$89,078
+HK$5,109/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,938/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,902
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,260
−HK$2,391/mo
Today · 4.125%
HK$92,651
baseline
▲ 0.50% · 4.625%
HK$97,535
+HK$4,884/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,302/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,589
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,749
−HK$3,211/mo
Today · 4.125%
HK$107,960
baseline
▲ 0.50% · 4.625%
HK$114,529
+HK$6,569/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,920/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,017
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,048
−HK$3,075/mo
Today · 4.125%
HK$119,123
baseline
▲ 0.50% · 4.625%
HK$125,402
+HK$6,279/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,246/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,915 · Scale 2, in force from 26 Feb 2026)