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$56,160
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,906
−HK$1,775/mo
Today · 4.125%
HK$59,681
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,632/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,362/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,153
−HK$1,699/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,324
+HK$3,472/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,391
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,488
−HK$2,130/mo
Today · 4.125%
HK$71,618
baseline
▲ 0.50% · 4.625%
HK$75,975
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,236/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,972
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,983
−HK$2,040/mo
Today · 4.125%
HK$79,023
baseline
▲ 0.50% · 4.625%
HK$83,188
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,046/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,623
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,069
−HK$2,485/mo
Today · 4.125%
HK$83,554
baseline
▲ 0.50% · 4.625%
HK$88,638
+HK$5,084/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,108/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,468
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,814
−HK$2,379/mo
Today · 4.125%
HK$92,193
baseline
▲ 0.50% · 4.625%
HK$97,053
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,386/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,087
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,232
−HK$3,194/mo
Today · 4.125%
HK$107,426
baseline
▲ 0.50% · 4.625%
HK$113,963
+HK$6,537/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,852/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,458
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,475
−HK$3,059/mo
Today · 4.125%
HK$118,534
baseline
▲ 0.50% · 4.625%
HK$124,782
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,068/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,717 · Scale 2, in force from 26 Feb 2026)