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$56,153
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,900
−HK$1,775/mo
Today · 4.125%
HK$59,675
baseline
▲ 0.50% · 4.625%
HK$63,306
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,350/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,470
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,146
−HK$1,699/mo
Today · 4.125%
HK$65,845
baseline
▲ 0.50% · 4.625%
HK$69,316
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,690/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,384
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,480
−HK$2,130/mo
Today · 4.125%
HK$71,610
baseline
▲ 0.50% · 4.625%
HK$75,967
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,220/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,964
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,975
−HK$2,039/mo
Today · 4.125%
HK$79,014
baseline
▲ 0.50% · 4.625%
HK$83,179
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,028/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,615
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,060
−HK$2,485/mo
Today · 4.125%
HK$83,545
baseline
▲ 0.50% · 4.625%
HK$88,628
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,090/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,458
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,804
−HK$2,379/mo
Today · 4.125%
HK$92,183
baseline
▲ 0.50% · 4.625%
HK$97,042
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,366/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,076
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,220
−HK$3,194/mo
Today · 4.125%
HK$107,414
baseline
▲ 0.50% · 4.625%
HK$113,950
+HK$6,536/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,828/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,446
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,462
−HK$3,059/mo
Today · 4.125%
HK$118,521
baseline
▲ 0.50% · 4.625%
HK$124,769
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,042/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,602 · Scale 2, in force from 26 Feb 2026)