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$56,158
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,905
−HK$1,775/mo
Today · 4.125%
HK$59,680
baseline
▲ 0.50% · 4.625%
HK$63,311
+HK$3,631/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,360/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,476
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,151
−HK$1,700/mo
Today · 4.125%
HK$65,851
baseline
▲ 0.50% · 4.625%
HK$69,322
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,702/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,390
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,486
−HK$2,130/mo
Today · 4.125%
HK$71,616
baseline
▲ 0.50% · 4.625%
HK$75,974
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,232/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,971
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,981
−HK$2,040/mo
Today · 4.125%
HK$79,021
baseline
▲ 0.50% · 4.625%
HK$83,186
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,042/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,622
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,067
−HK$2,485/mo
Today · 4.125%
HK$83,552
baseline
▲ 0.50% · 4.625%
HK$88,636
+HK$5,084/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,104/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,466
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,812
−HK$2,379/mo
Today · 4.125%
HK$92,191
baseline
▲ 0.50% · 4.625%
HK$97,051
+HK$4,860/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,382/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,085
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,229
−HK$3,195/mo
Today · 4.125%
HK$107,424
baseline
▲ 0.50% · 4.625%
HK$113,960
+HK$6,536/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,848/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,456
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,472
−HK$3,060/mo
Today · 4.125%
HK$118,532
baseline
▲ 0.50% · 4.625%
HK$124,780
+HK$6,248/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,064/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,693 · Scale 2, in force from 26 Feb 2026)