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$55,603
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,333
−HK$1,757/mo
Today · 4.125%
HK$59,090
baseline
▲ 0.50% · 4.625%
HK$62,686
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,180/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,858
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,517
−HK$1,683/mo
Today · 4.125%
HK$65,200
baseline
▲ 0.50% · 4.625%
HK$68,637
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,400/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,724
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,799
−HK$2,109/mo
Today · 4.125%
HK$70,908
baseline
▲ 0.50% · 4.625%
HK$75,223
+HK$4,315/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,816/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,230
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,220
−HK$2,020/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$82,364
+HK$4,124/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,844
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,266
−HK$2,460/mo
Today · 4.125%
HK$82,726
baseline
▲ 0.50% · 4.625%
HK$87,760
+HK$5,034/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,452/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,601
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,924
−HK$2,356/mo
Today · 4.125%
HK$91,280
baseline
▲ 0.50% · 4.625%
HK$96,092
+HK$4,812/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,560/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,086
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,199
−HK$3,163/mo
Today · 4.125%
HK$106,362
baseline
▲ 0.50% · 4.625%
HK$112,834
+HK$6,472/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,724/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,344
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,331
−HK$3,029/mo
Today · 4.125%
HK$117,360
baseline
▲ 0.50% · 4.625%
HK$123,546
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,720/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,347 · Scale 2, in force from 26 Feb 2026)