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$56,253
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$58,003
−HK$1,777/mo
Today · 4.125%
HK$59,780
baseline
▲ 0.50% · 4.625%
HK$63,418
+HK$3,638/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,560/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,581
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,259
−HK$1,703/mo
Today · 4.125%
HK$65,962
baseline
▲ 0.50% · 4.625%
HK$69,439
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,924/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,603
−HK$2,134/mo
Today · 4.125%
HK$71,737
baseline
▲ 0.50% · 4.625%
HK$76,102
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,474/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,097
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,111
−HK$2,043/mo
Today · 4.125%
HK$79,154
baseline
▲ 0.50% · 4.625%
HK$83,327
+HK$4,173/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,308/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,754
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,204
−HK$2,489/mo
Today · 4.125%
HK$83,693
baseline
▲ 0.50% · 4.625%
HK$88,785
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,386/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,613
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,963
−HK$2,384/mo
Today · 4.125%
HK$92,347
baseline
▲ 0.50% · 4.625%
HK$97,214
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,694/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,255
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,405
−HK$3,200/mo
Today · 4.125%
HK$107,605
baseline
▲ 0.50% · 4.625%
HK$114,152
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,210/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,645
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,667
−HK$3,064/mo
Today · 4.125%
HK$118,731
baseline
▲ 0.50% · 4.625%
HK$124,990
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,462/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,457 · Scale 2, in force from 26 Feb 2026)