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$55,919
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,658
−HK$1,768/mo
Today · 4.125%
HK$59,426
baseline
▲ 0.50% · 4.625%
HK$63,042
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,852/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,209
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,878
−HK$1,692/mo
Today · 4.125%
HK$65,570
baseline
▲ 0.50% · 4.625%
HK$69,027
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,140/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,103
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,190
−HK$2,121/mo
Today · 4.125%
HK$71,311
baseline
▲ 0.50% · 4.625%
HK$75,650
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,622/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,651
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,653
−HK$2,031/mo
Today · 4.125%
HK$78,684
baseline
▲ 0.50% · 4.625%
HK$82,832
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,368/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,287
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,722
−HK$2,474/mo
Today · 4.125%
HK$83,196
baseline
▲ 0.50% · 4.625%
HK$88,258
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,392/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,093
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,429
−HK$2,369/mo
Today · 4.125%
HK$91,798
baseline
▲ 0.50% · 4.625%
HK$96,637
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,596/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,654
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,785
−HK$3,181/mo
Today · 4.125%
HK$106,966
baseline
▲ 0.50% · 4.625%
HK$113,475
+HK$6,509/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,932/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,977
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,980
−HK$3,047/mo
Today · 4.125%
HK$118,027
baseline
▲ 0.50% · 4.625%
HK$124,248
+HK$6,221/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,054/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,234 · Scale 2, in force from 26 Feb 2026)