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$56,045
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,788
−HK$1,771/mo
Today · 4.125%
HK$59,559
baseline
▲ 0.50% · 4.625%
HK$63,183
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,118/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,349
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,021
−HK$1,697/mo
Today · 4.125%
HK$65,718
baseline
▲ 0.50% · 4.625%
HK$69,182
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,436/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,254
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,346
−HK$2,125/mo
Today · 4.125%
HK$71,471
baseline
▲ 0.50% · 4.625%
HK$75,820
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,942/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,819
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,826
−HK$2,035/mo
Today · 4.125%
HK$78,861
baseline
▲ 0.50% · 4.625%
HK$83,018
+HK$4,157/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,722/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,463
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,903
−HK$2,480/mo
Today · 4.125%
HK$83,383
baseline
▲ 0.50% · 4.625%
HK$88,457
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,766/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,289
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,630
−HK$2,375/mo
Today · 4.125%
HK$92,005
baseline
▲ 0.50% · 4.625%
HK$96,854
+HK$4,849/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$184,010/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,880
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,018
−HK$3,189/mo
Today · 4.125%
HK$107,207
baseline
▲ 0.50% · 4.625%
HK$113,730
+HK$6,523/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,414/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,228
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,238
−HK$3,054/mo
Today · 4.125%
HK$118,292
baseline
▲ 0.50% · 4.625%
HK$124,527
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,584/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,576 · Scale 2, in force from 26 Feb 2026)