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$56,199
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,947
−HK$1,776/mo
Today · 4.125%
HK$59,723
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,446/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,521
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,701/mo
Today · 4.125%
HK$65,899
baseline
▲ 0.50% · 4.625%
HK$69,372
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,798/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,439
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,537
−HK$2,131/mo
Today · 4.125%
HK$71,668
baseline
▲ 0.50% · 4.625%
HK$76,029
+HK$4,361/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,336/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,025
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,037
−HK$2,042/mo
Today · 4.125%
HK$79,079
baseline
▲ 0.50% · 4.625%
HK$83,247
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,158/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,679
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,126
−HK$2,487/mo
Today · 4.125%
HK$83,613
baseline
▲ 0.50% · 4.625%
HK$88,700
+HK$5,087/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,226/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,529
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,877
−HK$2,381/mo
Today · 4.125%
HK$92,258
baseline
▲ 0.50% · 4.625%
HK$97,121
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,516/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,158
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,305
−HK$3,197/mo
Today · 4.125%
HK$107,502
baseline
▲ 0.50% · 4.625%
HK$114,043
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,004/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,538
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,556
−HK$3,062/mo
Today · 4.125%
HK$118,618
baseline
▲ 0.50% · 4.625%
HK$124,870
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,236/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,454 · Scale 2, in force from 26 Feb 2026)