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$56,120
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,866
−HK$1,774/mo
Today · 4.125%
HK$59,640
baseline
▲ 0.50% · 4.625%
HK$63,269
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,280/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,433
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,108
−HK$1,698/mo
Today · 4.125%
HK$65,806
baseline
▲ 0.50% · 4.625%
HK$69,275
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,612/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,344
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,439
−HK$2,129/mo
Today · 4.125%
HK$71,568
baseline
▲ 0.50% · 4.625%
HK$75,922
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$143,136/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,920
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,929
−HK$2,039/mo
Today · 4.125%
HK$78,968
baseline
▲ 0.50% · 4.625%
HK$83,130
+HK$4,162/mo
Deposit HK$9.84M · loan HK$14.77M · min. income ≈ HK$157,936/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,568
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,012
−HK$2,483/mo
Today · 4.125%
HK$83,495
baseline
▲ 0.50% · 4.625%
HK$88,576
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$166,990/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,407
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,751
−HK$2,378/mo
Today · 4.125%
HK$92,129
baseline
▲ 0.50% · 4.625%
HK$96,985
+HK$4,856/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,258/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,017
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,159
−HK$3,192/mo
Today · 4.125%
HK$107,351
baseline
▲ 0.50% · 4.625%
HK$113,883
+HK$6,532/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,702/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,380
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,394
−HK$3,058/mo
Today · 4.125%
HK$118,452
baseline
▲ 0.50% · 4.625%
HK$124,695
+HK$6,243/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,904/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,986 · Scale 2, in force from 26 Feb 2026)