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$55,990
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,731
−HK$1,770/mo
Today · 4.125%
HK$59,501
baseline
▲ 0.50% · 4.625%
HK$63,121
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,002/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,288
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,959
−HK$1,694/mo
Today · 4.125%
HK$65,653
baseline
▲ 0.50% · 4.625%
HK$69,114
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,306/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,278
−HK$2,123/mo
Today · 4.125%
HK$71,401
baseline
▲ 0.50% · 4.625%
HK$75,746
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,802/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,746
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,750
−HK$2,034/mo
Today · 4.125%
HK$78,784
baseline
▲ 0.50% · 4.625%
HK$82,937
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,568/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,386
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,824
−HK$2,477/mo
Today · 4.125%
HK$83,301
baseline
▲ 0.50% · 4.625%
HK$88,370
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,602/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,203
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,542
−HK$2,373/mo
Today · 4.125%
HK$91,915
baseline
▲ 0.50% · 4.625%
HK$96,760
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,830/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,782
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,917
−HK$3,185/mo
Today · 4.125%
HK$107,102
baseline
▲ 0.50% · 4.625%
HK$113,619
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,204/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,119
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,126
−HK$3,050/mo
Today · 4.125%
HK$118,176
baseline
▲ 0.50% · 4.625%
HK$124,405
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,352/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,554 · Scale 2, in force from 26 Feb 2026)