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$56,499
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,256
−HK$1,786/mo
Today · 4.125%
HK$60,042
baseline
▲ 0.50% · 4.625%
HK$63,695
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,084/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,855
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,540
−HK$1,710/mo
Today · 4.125%
HK$66,250
baseline
▲ 0.50% · 4.625%
HK$69,743
+HK$3,493/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,500/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,799
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,908
−HK$2,142/mo
Today · 4.125%
HK$72,050
baseline
▲ 0.50% · 4.625%
HK$76,434
+HK$4,384/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,100/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,425
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,448
−HK$2,052/mo
Today · 4.125%
HK$79,500
baseline
▲ 0.50% · 4.625%
HK$83,691
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,000/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,099
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,559
−HK$2,500/mo
Today · 4.125%
HK$84,059
baseline
▲ 0.50% · 4.625%
HK$89,174
+HK$5,115/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,118/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,996
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,356
−HK$2,395/mo
Today · 4.125%
HK$92,751
baseline
▲ 0.50% · 4.625%
HK$97,640
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,502/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,698
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,862
−HK$3,214/mo
Today · 4.125%
HK$108,076
baseline
▲ 0.50% · 4.625%
HK$114,652
+HK$6,576/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,152/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,138
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,173
−HK$3,078/mo
Today · 4.125%
HK$119,251
baseline
▲ 0.50% · 4.625%
HK$125,537
+HK$6,286/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,502/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,043 · Scale 2, in force from 26 Feb 2026)