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$56,478
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,235
−HK$1,785/mo
Today · 4.125%
HK$60,020
baseline
▲ 0.50% · 4.625%
HK$63,672
+HK$3,652/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$120,040/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,831
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,516
−HK$1,710/mo
Today · 4.125%
HK$66,226
baseline
▲ 0.50% · 4.625%
HK$69,717
+HK$3,491/mo
Deposit HK$12.38M · loan HK$12.38M · min. income ≈ HK$132,452/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,774
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,882
−HK$2,142/mo
Today · 4.125%
HK$72,024
baseline
▲ 0.50% · 4.625%
HK$76,406
+HK$4,382/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,048/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,397
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,420
−HK$2,051/mo
Today · 4.125%
HK$79,471
baseline
▲ 0.50% · 4.625%
HK$83,660
+HK$4,189/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,942/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,069
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,529
−HK$2,499/mo
Today · 4.125%
HK$84,028
baseline
▲ 0.50% · 4.625%
HK$89,140
+HK$5,112/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,056/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,964
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,323
−HK$2,393/mo
Today · 4.125%
HK$92,716
baseline
▲ 0.50% · 4.625%
HK$97,603
+HK$4,887/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,432/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,660
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,823
−HK$3,212/mo
Today · 4.125%
HK$108,035
baseline
▲ 0.50% · 4.625%
HK$114,609
+HK$6,574/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,070/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,096
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,129
−HK$3,077/mo
Today · 4.125%
HK$119,206
baseline
▲ 0.50% · 4.625%
HK$125,490
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,412/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,651 · Scale 2, in force from 26 Feb 2026)