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$56,125
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,871
−HK$1,774/mo
Today · 4.125%
HK$59,645
baseline
▲ 0.50% · 4.625%
HK$63,274
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,290/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,438
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,113
−HK$1,699/mo
Today · 4.125%
HK$65,812
baseline
▲ 0.50% · 4.625%
HK$69,281
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,624/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,350
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,445
−HK$2,128/mo
Today · 4.125%
HK$71,573
baseline
▲ 0.50% · 4.625%
HK$75,929
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,146/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,926
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,936
−HK$2,038/mo
Today · 4.125%
HK$78,974
baseline
▲ 0.50% · 4.625%
HK$83,137
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,948/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,575
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,019
−HK$2,483/mo
Today · 4.125%
HK$83,502
baseline
▲ 0.50% · 4.625%
HK$88,583
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,004/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,414
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,758
−HK$2,379/mo
Today · 4.125%
HK$92,137
baseline
▲ 0.50% · 4.625%
HK$96,993
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,274/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,025
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,167
−HK$3,193/mo
Today · 4.125%
HK$107,360
baseline
▲ 0.50% · 4.625%
HK$113,893
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,720/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,389
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,404
−HK$3,057/mo
Today · 4.125%
HK$118,461
baseline
▲ 0.50% · 4.625%
HK$124,706
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,922/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,073 · Scale 2, in force from 26 Feb 2026)