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$56,146
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,892
−HK$1,775/mo
Today · 4.125%
HK$59,667
baseline
▲ 0.50% · 4.625%
HK$63,297
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,334/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,137
−HK$1,699/mo
Today · 4.125%
HK$65,836
baseline
▲ 0.50% · 4.625%
HK$69,307
+HK$3,471/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,672/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,375
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,471
−HK$2,129/mo
Today · 4.125%
HK$71,600
baseline
▲ 0.50% · 4.625%
HK$75,957
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,200/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,954
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,964
−HK$2,039/mo
Today · 4.125%
HK$79,003
baseline
▲ 0.50% · 4.625%
HK$83,168
+HK$4,165/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$158,006/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,604
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,049
−HK$2,484/mo
Today · 4.125%
HK$83,533
baseline
▲ 0.50% · 4.625%
HK$88,616
+HK$5,083/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,066/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,446
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,792
−HK$2,379/mo
Today · 4.125%
HK$92,171
baseline
▲ 0.50% · 4.625%
HK$97,029
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,342/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,062
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,206
−HK$3,194/mo
Today · 4.125%
HK$107,400
baseline
▲ 0.50% · 4.625%
HK$113,935
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,800/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,431
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,446
−HK$3,059/mo
Today · 4.125%
HK$118,505
baseline
▲ 0.50% · 4.625%
HK$124,752
+HK$6,247/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$237,010/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,460 · Scale 2, in force from 26 Feb 2026)