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$56,108
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,853
−HK$1,774/mo
Today · 4.125%
HK$59,627
baseline
▲ 0.50% · 4.625%
HK$63,255
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,254/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,420
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,094
−HK$1,698/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,330
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,424
−HK$2,128/mo
Today · 4.125%
HK$71,552
baseline
▲ 0.50% · 4.625%
HK$75,906
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,104/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,904
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,913
−HK$2,038/mo
Today · 4.125%
HK$78,951
baseline
▲ 0.50% · 4.625%
HK$83,112
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,902/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,552
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,995
−HK$2,482/mo
Today · 4.125%
HK$83,477
baseline
▲ 0.50% · 4.625%
HK$88,557
+HK$5,080/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,954/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,388
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,731
−HK$2,378/mo
Today · 4.125%
HK$92,109
baseline
▲ 0.50% · 4.625%
HK$96,964
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,218/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,995
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,136
−HK$3,192/mo
Today · 4.125%
HK$107,328
baseline
▲ 0.50% · 4.625%
HK$113,859
+HK$6,531/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,656/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,356
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,369
−HK$3,057/mo
Today · 4.125%
HK$118,426
baseline
▲ 0.50% · 4.625%
HK$124,668
+HK$6,242/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,852/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,760 · Scale 2, in force from 26 Feb 2026)