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$56,123
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,869
−HK$1,774/mo
Today · 4.125%
HK$59,643
baseline
▲ 0.50% · 4.625%
HK$63,272
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,286/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,437
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,111
−HK$1,699/mo
Today · 4.125%
HK$65,810
baseline
▲ 0.50% · 4.625%
HK$69,279
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,620/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,348
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,443
−HK$2,128/mo
Today · 4.125%
HK$71,571
baseline
▲ 0.50% · 4.625%
HK$75,926
+HK$4,355/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,142/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,924
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,933
−HK$2,039/mo
Today · 4.125%
HK$78,972
baseline
▲ 0.50% · 4.625%
HK$83,135
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,944/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,573
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,017
−HK$2,483/mo
Today · 4.125%
HK$83,500
baseline
▲ 0.50% · 4.625%
HK$88,581
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,000/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,411
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,756
−HK$2,378/mo
Today · 4.125%
HK$92,134
baseline
▲ 0.50% · 4.625%
HK$96,990
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,268/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,022
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,164
−HK$3,193/mo
Today · 4.125%
HK$107,357
baseline
▲ 0.50% · 4.625%
HK$113,890
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,714/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,386
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,400
−HK$3,058/mo
Today · 4.125%
HK$118,458
baseline
▲ 0.50% · 4.625%
HK$124,702
+HK$6,244/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,916/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,043 · Scale 2, in force from 26 Feb 2026)