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$55,912
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,651
−HK$1,767/mo
Today · 4.125%
HK$59,418
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,836/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,201
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,870
−HK$1,692/mo
Today · 4.125%
HK$65,562
baseline
▲ 0.50% · 4.625%
HK$69,018
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,124/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,094
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,181
−HK$2,121/mo
Today · 4.125%
HK$71,302
baseline
▲ 0.50% · 4.625%
HK$75,640
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,604/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,642
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,644
−HK$2,030/mo
Today · 4.125%
HK$78,674
baseline
▲ 0.50% · 4.625%
HK$82,821
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,348/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,277
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,711
−HK$2,474/mo
Today · 4.125%
HK$83,185
baseline
▲ 0.50% · 4.625%
HK$88,247
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,370/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,082
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,417
−HK$2,370/mo
Today · 4.125%
HK$91,787
baseline
▲ 0.50% · 4.625%
HK$96,625
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,574/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,641
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,772
−HK$3,181/mo
Today · 4.125%
HK$106,953
baseline
▲ 0.50% · 4.625%
HK$113,460
+HK$6,507/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,906/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,963
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,965
−HK$3,047/mo
Today · 4.125%
HK$118,012
baseline
▲ 0.50% · 4.625%
HK$124,232
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,024/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,101 · Scale 2, in force from 26 Feb 2026)