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$56,253
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,003
−HK$1,778/mo
Today · 4.125%
HK$59,781
baseline
▲ 0.50% · 4.625%
HK$63,418
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,562/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,581
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,260
−HK$1,702/mo
Today · 4.125%
HK$65,962
baseline
▲ 0.50% · 4.625%
HK$69,439
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,924/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,604
−HK$2,133/mo
Today · 4.125%
HK$71,737
baseline
▲ 0.50% · 4.625%
HK$76,102
+HK$4,365/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,474/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,097
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,112
−HK$2,043/mo
Today · 4.125%
HK$79,155
baseline
▲ 0.50% · 4.625%
HK$83,327
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,310/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,755
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,204
−HK$2,489/mo
Today · 4.125%
HK$83,693
baseline
▲ 0.50% · 4.625%
HK$88,786
+HK$5,093/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,386/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,614
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,963
−HK$2,384/mo
Today · 4.125%
HK$92,347
baseline
▲ 0.50% · 4.625%
HK$97,215
+HK$4,868/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,694/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,256
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,406
−HK$3,200/mo
Today · 4.125%
HK$107,606
baseline
▲ 0.50% · 4.625%
HK$114,153
+HK$6,547/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,212/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,646
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,667
−HK$3,065/mo
Today · 4.125%
HK$118,732
baseline
▲ 0.50% · 4.625%
HK$124,991
+HK$6,259/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,464/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,048,463 · Scale 2, in force from 26 Feb 2026)