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$56,023
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,766
−HK$1,771/mo
Today · 4.125%
HK$59,537
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,074/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,325
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$63,997
−HK$1,696/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,155
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,228
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,319
−HK$2,125/mo
Today · 4.125%
HK$71,444
baseline
▲ 0.50% · 4.625%
HK$75,791
+HK$4,347/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,888/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,791
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,035/mo
Today · 4.125%
HK$78,831
baseline
▲ 0.50% · 4.625%
HK$82,987
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,662/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,433
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,872
−HK$2,479/mo
Today · 4.125%
HK$83,351
baseline
▲ 0.50% · 4.625%
HK$88,423
+HK$5,072/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,702/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,256
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,596
−HK$2,374/mo
Today · 4.125%
HK$91,970
baseline
▲ 0.50% · 4.625%
HK$96,818
+HK$4,848/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,940/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,842
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,979
−HK$3,187/mo
Today · 4.125%
HK$107,166
baseline
▲ 0.50% · 4.625%
HK$113,687
+HK$6,521/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,332/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,186
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,195
−HK$3,052/mo
Today · 4.125%
HK$118,247
baseline
▲ 0.50% · 4.625%
HK$124,480
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,494/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,179 · Scale 2, in force from 26 Feb 2026)