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$55,923
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,662
−HK$1,767/mo
Today · 4.125%
HK$59,429
baseline
▲ 0.50% · 4.625%
HK$63,046
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,858/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,213
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,882
−HK$1,692/mo
Today · 4.125%
HK$65,574
baseline
▲ 0.50% · 4.625%
HK$69,031
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,148/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,107
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,194
−HK$2,121/mo
Today · 4.125%
HK$71,315
baseline
▲ 0.50% · 4.625%
HK$75,655
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,630/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,656
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,658
−HK$2,031/mo
Today · 4.125%
HK$78,689
baseline
▲ 0.50% · 4.625%
HK$82,837
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,378/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,292
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,727
−HK$2,474/mo
Today · 4.125%
HK$83,201
baseline
▲ 0.50% · 4.625%
HK$88,264
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,402/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,099
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,435
−HK$2,369/mo
Today · 4.125%
HK$91,804
baseline
▲ 0.50% · 4.625%
HK$96,643
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,608/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,661
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,792
−HK$3,181/mo
Today · 4.125%
HK$106,973
baseline
▲ 0.50% · 4.625%
HK$113,482
+HK$6,509/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,946/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,984
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,987
−HK$3,047/mo
Today · 4.125%
HK$118,034
baseline
▲ 0.50% · 4.625%
HK$124,256
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,068/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,299 · Scale 2, in force from 26 Feb 2026)