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$56,093
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,838
−HK$1,772/mo
Today · 4.125%
HK$59,610
baseline
▲ 0.50% · 4.625%
HK$63,238
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,220/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,403
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,076
−HK$1,698/mo
Today · 4.125%
HK$65,774
baseline
▲ 0.50% · 4.625%
HK$69,241
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,548/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,311
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,405
−HK$2,128/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,885
+HK$4,352/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,883
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,892
−HK$2,037/mo
Today · 4.125%
HK$78,929
baseline
▲ 0.50% · 4.625%
HK$83,090
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,858/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,530
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,973
−HK$2,482/mo
Today · 4.125%
HK$83,455
baseline
▲ 0.50% · 4.625%
HK$88,533
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,910/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,364
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,707
−HK$2,377/mo
Today · 4.125%
HK$92,084
baseline
▲ 0.50% · 4.625%
HK$96,938
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,168/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,967
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,108
−HK$3,191/mo
Today · 4.125%
HK$107,299
baseline
▲ 0.50% · 4.625%
HK$113,828
+HK$6,529/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,598/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,325
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,338
−HK$3,056/mo
Today · 4.125%
HK$118,394
baseline
▲ 0.50% · 4.625%
HK$124,634
+HK$6,240/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,788/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,474 · Scale 2, in force from 26 Feb 2026)