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$56,145
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,891
−HK$1,775/mo
Today · 4.125%
HK$59,666
baseline
▲ 0.50% · 4.625%
HK$63,296
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,332/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,461
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,136
−HK$1,699/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,305
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,374
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,470
−HK$2,129/mo
Today · 4.125%
HK$71,599
baseline
▲ 0.50% · 4.625%
HK$75,955
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,198/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,953
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,963
−HK$2,039/mo
Today · 4.125%
HK$79,002
baseline
▲ 0.50% · 4.625%
HK$83,167
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,004/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,603
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,048
−HK$2,484/mo
Today · 4.125%
HK$83,532
baseline
▲ 0.50% · 4.625%
HK$88,615
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,064/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,445
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,790
−HK$2,379/mo
Today · 4.125%
HK$92,169
baseline
▲ 0.50% · 4.625%
HK$97,028
+HK$4,859/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,338/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,061
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,204
−HK$3,194/mo
Today · 4.125%
HK$107,398
baseline
▲ 0.50% · 4.625%
HK$113,933
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,796/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,429
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,444
−HK$3,059/mo
Today · 4.125%
HK$118,503
baseline
▲ 0.50% · 4.625%
HK$124,750
+HK$6,247/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,006/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,443 · Scale 2, in force from 26 Feb 2026)