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$56,128
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,874
−HK$1,774/mo
Today · 4.125%
HK$59,648
baseline
▲ 0.50% · 4.625%
HK$63,278
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,296/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,442
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,117
−HK$1,699/mo
Today · 4.125%
HK$65,816
baseline
▲ 0.50% · 4.625%
HK$69,285
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,632/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,354
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,449
−HK$2,129/mo
Today · 4.125%
HK$71,578
baseline
▲ 0.50% · 4.625%
HK$75,933
+HK$4,355/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,156/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,931
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,940
−HK$2,039/mo
Today · 4.125%
HK$78,979
baseline
▲ 0.50% · 4.625%
HK$83,142
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,958/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,580
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,024
−HK$2,483/mo
Today · 4.125%
HK$83,507
baseline
▲ 0.50% · 4.625%
HK$88,589
+HK$5,082/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,014/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,419
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,764
−HK$2,378/mo
Today · 4.125%
HK$92,142
baseline
▲ 0.50% · 4.625%
HK$96,999
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,284/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,031
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,174
−HK$3,193/mo
Today · 4.125%
HK$107,367
baseline
▲ 0.50% · 4.625%
HK$113,900
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,734/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,396
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,411
−HK$3,058/mo
Today · 4.125%
HK$118,469
baseline
▲ 0.50% · 4.625%
HK$124,713
+HK$6,244/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,938/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,137 · Scale 2, in force from 26 Feb 2026)