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$56,459
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,215
−HK$1,784/mo
Today · 4.125%
HK$59,999
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,651/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$119,998/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,810
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,494
−HK$1,709/mo
Today · 4.125%
HK$66,203
baseline
▲ 0.50% · 4.625%
HK$69,693
+HK$3,490/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,406/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,750
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,858
−HK$2,141/mo
Today · 4.125%
HK$71,999
baseline
▲ 0.50% · 4.625%
HK$76,380
+HK$4,381/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$143,998/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,371
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,393
−HK$2,051/mo
Today · 4.125%
HK$79,444
baseline
▲ 0.50% · 4.625%
HK$83,631
+HK$4,187/mo
Deposit HK$9.90M · loan HK$14.86M · min. income ≈ HK$158,888/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,042
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,501
−HK$2,498/mo
Today · 4.125%
HK$83,999
baseline
▲ 0.50% · 4.625%
HK$89,110
+HK$5,111/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$167,998/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,933
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,292
−HK$2,392/mo
Today · 4.125%
HK$92,684
baseline
▲ 0.50% · 4.625%
HK$97,570
+HK$4,886/mo
Deposit HK$7.43M · loan HK$17.33M · min. income ≈ HK$185,368/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,625
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,786
−HK$3,212/mo
Today · 4.125%
HK$107,998
baseline
▲ 0.50% · 4.625%
HK$114,570
+HK$6,572/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$215,996/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,057
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,089
−HK$3,076/mo
Today · 4.125%
HK$119,165
baseline
▲ 0.50% · 4.625%
HK$125,447
+HK$6,282/mo
Deposit HK$2.48M · loan HK$22.28M · min. income ≈ HK$238,330/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,289 · Scale 2, in force from 26 Feb 2026)