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$56,183
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,931
−HK$1,775/mo
Today · 4.125%
HK$59,706
baseline
▲ 0.50% · 4.625%
HK$63,339
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,412/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,503
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,180
−HK$1,700/mo
Today · 4.125%
HK$65,880
baseline
▲ 0.50% · 4.625%
HK$69,353
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,760/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,420
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,517
−HK$2,131/mo
Today · 4.125%
HK$71,648
baseline
▲ 0.50% · 4.625%
HK$76,007
+HK$4,359/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$143,296/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,004
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,016
−HK$2,040/mo
Today · 4.125%
HK$79,056
baseline
▲ 0.50% · 4.625%
HK$83,223
+HK$4,167/mo
Deposit HK$9.86M · loan HK$14.78M · min. income ≈ HK$158,112/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,657
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,103
−HK$2,486/mo
Today · 4.125%
HK$83,589
baseline
▲ 0.50% · 4.625%
HK$88,675
+HK$5,086/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,178/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,852
−HK$2,380/mo
Today · 4.125%
HK$92,232
baseline
▲ 0.50% · 4.625%
HK$97,094
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,464/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,130
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,276
−HK$3,196/mo
Today · 4.125%
HK$107,472
baseline
▲ 0.50% · 4.625%
HK$114,011
+HK$6,539/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,944/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,506
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,523
−HK$3,061/mo
Today · 4.125%
HK$118,584
baseline
▲ 0.50% · 4.625%
HK$124,835
+HK$6,251/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,168/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,159 · Scale 2, in force from 26 Feb 2026)