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$56,129
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,875
−HK$1,774/mo
Today · 4.125%
HK$59,649
baseline
▲ 0.50% · 4.625%
HK$63,279
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,298/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,443
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,118
−HK$1,699/mo
Today · 4.125%
HK$65,817
baseline
▲ 0.50% · 4.625%
HK$69,286
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,634/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,355
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,450
−HK$2,129/mo
Today · 4.125%
HK$71,579
baseline
▲ 0.50% · 4.625%
HK$75,935
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,158/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,932
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,942
−HK$2,039/mo
Today · 4.125%
HK$78,981
baseline
▲ 0.50% · 4.625%
HK$83,144
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,962/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,581
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,026
−HK$2,483/mo
Today · 4.125%
HK$83,509
baseline
▲ 0.50% · 4.625%
HK$88,590
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,018/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,421
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,765
−HK$2,379/mo
Today · 4.125%
HK$92,144
baseline
▲ 0.50% · 4.625%
HK$97,001
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,288/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,033
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,176
−HK$3,193/mo
Today · 4.125%
HK$107,369
baseline
▲ 0.50% · 4.625%
HK$113,902
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,738/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,398
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,413
−HK$3,058/mo
Today · 4.125%
HK$118,471
baseline
▲ 0.50% · 4.625%
HK$124,716
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,942/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,156 · Scale 2, in force from 26 Feb 2026)