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$56,088
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,833
−HK$1,773/mo
Today · 4.125%
HK$59,606
baseline
▲ 0.50% · 4.625%
HK$63,232
+HK$3,626/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,212/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,398
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,071
−HK$1,698/mo
Today · 4.125%
HK$65,769
baseline
▲ 0.50% · 4.625%
HK$69,236
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,538/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,306
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,400
−HK$2,127/mo
Today · 4.125%
HK$71,527
baseline
▲ 0.50% · 4.625%
HK$75,879
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,054/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,877
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,885
−HK$2,038/mo
Today · 4.125%
HK$78,923
baseline
▲ 0.50% · 4.625%
HK$83,083
+HK$4,160/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,846/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,524
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,966
−HK$2,482/mo
Today · 4.125%
HK$83,448
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$5,077/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,896/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,357
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,700
−HK$2,376/mo
Today · 4.125%
HK$92,076
baseline
▲ 0.50% · 4.625%
HK$96,930
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,152/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,959
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,099
−HK$3,191/mo
Today · 4.125%
HK$107,290
baseline
▲ 0.50% · 4.625%
HK$113,818
+HK$6,528/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,580/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,316
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,328
−HK$3,056/mo
Today · 4.125%
HK$118,384
baseline
▲ 0.50% · 4.625%
HK$124,624
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,768/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,389 · Scale 2, in force from 26 Feb 2026)