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$56,040
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,783
−HK$1,771/mo
Today · 4.125%
HK$59,554
baseline
▲ 0.50% · 4.625%
HK$63,178
+HK$3,624/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,108/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,344
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,016
−HK$1,696/mo
Today · 4.125%
HK$65,712
baseline
▲ 0.50% · 4.625%
HK$69,176
+HK$3,464/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,424/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,248
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,340
−HK$2,125/mo
Today · 4.125%
HK$71,465
baseline
▲ 0.50% · 4.625%
HK$75,814
+HK$4,349/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,930/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,813
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,819
−HK$2,036/mo
Today · 4.125%
HK$78,855
baseline
▲ 0.50% · 4.625%
HK$83,011
+HK$4,156/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,710/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,456
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,897
−HK$2,479/mo
Today · 4.125%
HK$83,376
baseline
▲ 0.50% · 4.625%
HK$88,449
+HK$5,073/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,752/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,282
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,623
−HK$2,374/mo
Today · 4.125%
HK$91,997
baseline
▲ 0.50% · 4.625%
HK$96,847
+HK$4,850/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,994/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,872
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,010
−HK$3,188/mo
Today · 4.125%
HK$107,198
baseline
▲ 0.50% · 4.625%
HK$113,721
+HK$6,523/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,396/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,219
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,229
−HK$3,053/mo
Today · 4.125%
HK$118,282
baseline
▲ 0.50% · 4.625%
HK$124,517
+HK$6,235/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,564/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,491 · Scale 2, in force from 26 Feb 2026)