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$56,235
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,984
−HK$1,777/mo
Today · 4.125%
HK$59,761
baseline
▲ 0.50% · 4.625%
HK$63,398
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,522/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,561
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,239
−HK$1,702/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,417
+HK$3,476/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,482
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,581
−HK$2,133/mo
Today · 4.125%
HK$71,714
baseline
▲ 0.50% · 4.625%
HK$76,077
+HK$4,363/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,428/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,073
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,086
−HK$2,043/mo
Today · 4.125%
HK$79,129
baseline
▲ 0.50% · 4.625%
HK$83,300
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,258/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,729
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,178
−HK$2,488/mo
Today · 4.125%
HK$83,666
baseline
▲ 0.50% · 4.625%
HK$88,757
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,332/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,585
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,934
−HK$2,383/mo
Today · 4.125%
HK$92,317
baseline
▲ 0.50% · 4.625%
HK$97,183
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,634/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,223
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,371
−HK$3,199/mo
Today · 4.125%
HK$107,570
baseline
▲ 0.50% · 4.625%
HK$114,116
+HK$6,546/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,140/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,609
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,630
−HK$3,063/mo
Today · 4.125%
HK$118,693
baseline
▲ 0.50% · 4.625%
HK$124,950
+HK$6,257/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,386/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,121 · Scale 2, in force from 26 Feb 2026)