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$56,135
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,881
−HK$1,774/mo
Today · 4.125%
HK$59,655
baseline
▲ 0.50% · 4.625%
HK$63,285
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,310/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,450
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,125
−HK$1,699/mo
Today · 4.125%
HK$65,824
baseline
▲ 0.50% · 4.625%
HK$69,293
+HK$3,469/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,648/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,362
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,458
−HK$2,128/mo
Today · 4.125%
HK$71,586
baseline
▲ 0.50% · 4.625%
HK$75,942
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,172/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,940
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,950
−HK$2,039/mo
Today · 4.125%
HK$78,989
baseline
▲ 0.50% · 4.625%
HK$83,152
+HK$4,163/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,978/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,589
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,034
−HK$2,484/mo
Today · 4.125%
HK$83,518
baseline
▲ 0.50% · 4.625%
HK$88,599
+HK$5,081/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,036/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,430
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,775
−HK$2,378/mo
Today · 4.125%
HK$92,153
baseline
▲ 0.50% · 4.625%
HK$97,011
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,306/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,043
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,186
−HK$3,194/mo
Today · 4.125%
HK$107,380
baseline
▲ 0.50% · 4.625%
HK$113,913
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,760/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,410
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,424
−HK$3,059/mo
Today · 4.125%
HK$118,483
baseline
▲ 0.50% · 4.625%
HK$124,728
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,966/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,263 · Scale 2, in force from 26 Feb 2026)