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$56,132
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,878
−HK$1,774/mo
Today · 4.125%
HK$59,652
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,629/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,304/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,446
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,121
−HK$1,699/mo
Today · 4.125%
HK$65,820
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,640/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,358
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,453
−HK$2,129/mo
Today · 4.125%
HK$71,582
baseline
▲ 0.50% · 4.625%
HK$75,938
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,164/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,935
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,945
−HK$2,039/mo
Today · 4.125%
HK$78,984
baseline
▲ 0.50% · 4.625%
HK$83,147
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,968/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,584
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,029
−HK$2,483/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$88,594
+HK$5,082/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,424
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,769
−HK$2,379/mo
Today · 4.125%
HK$92,148
baseline
▲ 0.50% · 4.625%
HK$97,005
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,296/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,037
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,180
−HK$3,193/mo
Today · 4.125%
HK$107,373
baseline
▲ 0.50% · 4.625%
HK$113,907
+HK$6,534/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,746/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,403
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,417
−HK$3,059/mo
Today · 4.125%
HK$118,476
baseline
▲ 0.50% · 4.625%
HK$124,721
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,952/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,199 · Scale 2, in force from 26 Feb 2026)