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$56,249
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,999
−HK$1,777/mo
Today · 4.125%
HK$59,776
baseline
▲ 0.50% · 4.625%
HK$63,414
+HK$3,638/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,552/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,577
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,255
−HK$1,702/mo
Today · 4.125%
HK$65,957
baseline
▲ 0.50% · 4.625%
HK$69,434
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,914/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,499
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,599
−HK$2,133/mo
Today · 4.125%
HK$71,732
baseline
▲ 0.50% · 4.625%
HK$76,096
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,464/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,092
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,106
−HK$2,043/mo
Today · 4.125%
HK$79,149
baseline
▲ 0.50% · 4.625%
HK$83,321
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,298/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,749
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,489/mo
Today · 4.125%
HK$83,687
baseline
▲ 0.50% · 4.625%
HK$88,779
+HK$5,092/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,374/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,607
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,957
−HK$2,383/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,208
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,248
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,398
−HK$3,200/mo
Today · 4.125%
HK$107,598
baseline
▲ 0.50% · 4.625%
HK$114,145
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,196/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,638
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,659
−HK$3,064/mo
Today · 4.125%
HK$118,723
baseline
▲ 0.50% · 4.625%
HK$124,981
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,446/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,386 · Scale 2, in force from 26 Feb 2026)