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$56,185
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,933
−HK$1,776/mo
Today · 4.125%
HK$59,709
baseline
▲ 0.50% · 4.625%
HK$63,342
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,418/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,506
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,701/mo
Today · 4.125%
HK$65,883
baseline
▲ 0.50% · 4.625%
HK$69,355
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,766/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,422
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,520
−HK$2,130/mo
Today · 4.125%
HK$71,650
baseline
▲ 0.50% · 4.625%
HK$76,010
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,300/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,007
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,018
−HK$2,041/mo
Today · 4.125%
HK$79,059
baseline
▲ 0.50% · 4.625%
HK$83,226
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,118/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,659
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,106
−HK$2,486/mo
Today · 4.125%
HK$83,592
baseline
▲ 0.50% · 4.625%
HK$88,678
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,184/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,508
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,855
−HK$2,381/mo
Today · 4.125%
HK$92,236
baseline
▲ 0.50% · 4.625%
HK$97,097
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,472/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,134
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,279
−HK$3,196/mo
Today · 4.125%
HK$107,475
baseline
▲ 0.50% · 4.625%
HK$114,015
+HK$6,540/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,950/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,510
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,528
−HK$3,061/mo
Today · 4.125%
HK$118,589
baseline
▲ 0.50% · 4.625%
HK$124,840
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,178/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,196 · Scale 2, in force from 26 Feb 2026)