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$56,014
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,756
−HK$1,770/mo
Today · 4.125%
HK$59,526
baseline
▲ 0.50% · 4.625%
HK$63,149
+HK$3,623/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,052/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,315
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,986
−HK$1,696/mo
Today · 4.125%
HK$65,682
baseline
▲ 0.50% · 4.625%
HK$69,144
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,364/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,217
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,308
−HK$2,124/mo
Today · 4.125%
HK$71,432
baseline
▲ 0.50% · 4.625%
HK$75,778
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,864/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,778
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,783
−HK$2,035/mo
Today · 4.125%
HK$78,818
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,155/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,636/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,419
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,859
−HK$2,478/mo
Today · 4.125%
HK$83,337
baseline
▲ 0.50% · 4.625%
HK$88,408
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,674/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,241
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,581
−HK$2,373/mo
Today · 4.125%
HK$91,954
baseline
▲ 0.50% · 4.625%
HK$96,801
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,908/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,825
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,961
−HK$3,187/mo
Today · 4.125%
HK$107,148
baseline
▲ 0.50% · 4.625%
HK$113,667
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,296/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,167
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,175
−HK$3,052/mo
Today · 4.125%
HK$118,227
baseline
▲ 0.50% · 4.625%
HK$124,459
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,454/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,002 · Scale 2, in force from 26 Feb 2026)