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$56,193
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,941
−HK$1,776/mo
Today · 4.125%
HK$59,717
baseline
▲ 0.50% · 4.625%
HK$63,350
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,434/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,514
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,191
−HK$1,700/mo
Today · 4.125%
HK$65,891
baseline
▲ 0.50% · 4.625%
HK$69,365
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,782/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,431
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,529
−HK$2,131/mo
Today · 4.125%
HK$71,660
baseline
▲ 0.50% · 4.625%
HK$76,020
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,320/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,017
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,029
−HK$2,041/mo
Today · 4.125%
HK$79,070
baseline
▲ 0.50% · 4.625%
HK$83,238
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,140/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,670
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,117
−HK$2,486/mo
Today · 4.125%
HK$83,603
baseline
▲ 0.50% · 4.625%
HK$88,690
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,206/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,520
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,867
−HK$2,381/mo
Today · 4.125%
HK$92,248
baseline
▲ 0.50% · 4.625%
HK$97,111
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,496/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,147
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,293
−HK$3,197/mo
Today · 4.125%
HK$107,490
baseline
▲ 0.50% · 4.625%
HK$114,031
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,980/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,525
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,543
−HK$3,062/mo
Today · 4.125%
HK$118,605
baseline
▲ 0.50% · 4.625%
HK$124,856
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,210/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,338 · Scale 2, in force from 26 Feb 2026)