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$55,984
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,725
−HK$1,769/mo
Today · 4.125%
HK$59,494
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$118,988/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,281
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,952
−HK$1,694/mo
Today · 4.125%
HK$65,646
baseline
▲ 0.50% · 4.625%
HK$69,106
+HK$3,460/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,292/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,180
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,270
−HK$2,123/mo
Today · 4.125%
HK$71,393
baseline
▲ 0.50% · 4.625%
HK$75,737
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,786/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,737
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,742
−HK$2,033/mo
Today · 4.125%
HK$78,775
baseline
▲ 0.50% · 4.625%
HK$82,928
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,550/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,377
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,815
−HK$2,477/mo
Today · 4.125%
HK$83,292
baseline
▲ 0.50% · 4.625%
HK$88,360
+HK$5,068/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,584/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,194
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,532
−HK$2,372/mo
Today · 4.125%
HK$91,904
baseline
▲ 0.50% · 4.625%
HK$96,749
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,808/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,770
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,905
−HK$3,185/mo
Today · 4.125%
HK$107,090
baseline
▲ 0.50% · 4.625%
HK$113,606
+HK$6,516/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,180/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,106
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,113
−HK$3,050/mo
Today · 4.125%
HK$118,163
baseline
▲ 0.50% · 4.625%
HK$124,391
+HK$6,228/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,326/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,437 · Scale 2, in force from 26 Feb 2026)