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$56,096
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,773/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$63,242
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,407
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,080
−HK$1,698/mo
Today · 4.125%
HK$65,778
baseline
▲ 0.50% · 4.625%
HK$69,246
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,556/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,316
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,410
−HK$2,127/mo
Today · 4.125%
HK$71,537
baseline
▲ 0.50% · 4.625%
HK$75,890
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,074/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,888
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,897
−HK$2,037/mo
Today · 4.125%
HK$78,934
baseline
▲ 0.50% · 4.625%
HK$83,095
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,868/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,535
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,978
−HK$2,482/mo
Today · 4.125%
HK$83,460
baseline
▲ 0.50% · 4.625%
HK$88,538
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,920/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,369
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,713
−HK$2,377/mo
Today · 4.125%
HK$92,090
baseline
▲ 0.50% · 4.625%
HK$96,944
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,180/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,974
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,115
−HK$3,191/mo
Today · 4.125%
HK$107,306
baseline
▲ 0.50% · 4.625%
HK$113,835
+HK$6,529/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,612/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,332
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,345
−HK$3,056/mo
Today · 4.125%
HK$118,401
baseline
▲ 0.50% · 4.625%
HK$124,642
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,802/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,541 · Scale 2, in force from 26 Feb 2026)