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$56,256
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,006
−HK$1,778/mo
Today · 4.125%
HK$59,784
baseline
▲ 0.50% · 4.625%
HK$63,422
+HK$3,638/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$119,568/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,585
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,263
−HK$1,703/mo
Today · 4.125%
HK$65,966
baseline
▲ 0.50% · 4.625%
HK$69,443
+HK$3,477/mo
Deposit HK$12.34M · loan HK$12.34M · min. income ≈ HK$131,932/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,508
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,607
−HK$2,134/mo
Today · 4.125%
HK$71,741
baseline
▲ 0.50% · 4.625%
HK$76,106
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,482/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,101
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,116
−HK$2,043/mo
Today · 4.125%
HK$79,159
baseline
▲ 0.50% · 4.625%
HK$83,332
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,318/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,759
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,209
−HK$2,489/mo
Today · 4.125%
HK$83,698
baseline
▲ 0.50% · 4.625%
HK$88,791
+HK$5,093/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,396/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,618
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,968
−HK$2,384/mo
Today · 4.125%
HK$92,352
baseline
▲ 0.50% · 4.625%
HK$97,220
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,704/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,261
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,411
−HK$3,200/mo
Today · 4.125%
HK$107,611
baseline
▲ 0.50% · 4.625%
HK$114,159
+HK$6,548/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,222/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,652
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,674
−HK$3,064/mo
Today · 4.125%
HK$118,738
baseline
▲ 0.50% · 4.625%
HK$124,997
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,476/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,520 · Scale 2, in force from 26 Feb 2026)