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$55,931
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,768/mo
Today · 4.125%
HK$59,438
baseline
▲ 0.50% · 4.625%
HK$63,055
+HK$3,617/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,876/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,222
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,891
−HK$1,693/mo
Today · 4.125%
HK$65,584
baseline
▲ 0.50% · 4.625%
HK$69,041
+HK$3,457/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,168/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,117
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$2,121/mo
Today · 4.125%
HK$71,326
baseline
▲ 0.50% · 4.625%
HK$75,666
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,652/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,667
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,669
−HK$2,032/mo
Today · 4.125%
HK$78,701
baseline
▲ 0.50% · 4.625%
HK$82,849
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,402/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,303
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,739
−HK$2,474/mo
Today · 4.125%
HK$83,213
baseline
▲ 0.50% · 4.625%
HK$88,277
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,426/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,111
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,448
−HK$2,370/mo
Today · 4.125%
HK$91,818
baseline
▲ 0.50% · 4.625%
HK$96,657
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,636/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,675
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,807
−HK$3,181/mo
Today · 4.125%
HK$106,988
baseline
▲ 0.50% · 4.625%
HK$113,498
+HK$6,510/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$213,976/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,000
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,004
−HK$3,047/mo
Today · 4.125%
HK$118,051
baseline
▲ 0.50% · 4.625%
HK$124,274
+HK$6,223/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,102/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,451 · Scale 2, in force from 26 Feb 2026)