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$56,098
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,773/mo
Today · 4.125%
HK$59,616
baseline
▲ 0.50% · 4.625%
HK$63,243
+HK$3,627/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,232/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,408
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,082
−HK$1,698/mo
Today · 4.125%
HK$65,780
baseline
▲ 0.50% · 4.625%
HK$69,247
+HK$3,467/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,560/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,317
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,411
−HK$2,128/mo
Today · 4.125%
HK$71,539
baseline
▲ 0.50% · 4.625%
HK$75,892
+HK$4,353/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,078/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,890
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,898
−HK$2,038/mo
Today · 4.125%
HK$78,936
baseline
▲ 0.50% · 4.625%
HK$83,097
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,872/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,537
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,980
−HK$2,482/mo
Today · 4.125%
HK$83,462
baseline
▲ 0.50% · 4.625%
HK$88,540
+HK$5,078/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,924/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,372
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,715
−HK$2,377/mo
Today · 4.125%
HK$92,092
baseline
▲ 0.50% · 4.625%
HK$96,946
+HK$4,854/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,184/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,976
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,117
−HK$3,191/mo
Today · 4.125%
HK$107,308
baseline
▲ 0.50% · 4.625%
HK$113,838
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,616/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,335
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,348
−HK$3,056/mo
Today · 4.125%
HK$118,404
baseline
▲ 0.50% · 4.625%
HK$124,645
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,808/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,566 · Scale 2, in force from 26 Feb 2026)