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$56,196
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,944
−HK$1,776/mo
Today · 4.125%
HK$59,720
baseline
▲ 0.50% · 4.625%
HK$63,353
+HK$3,633/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,440/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,517
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,194
−HK$1,701/mo
Today · 4.125%
HK$65,895
baseline
▲ 0.50% · 4.625%
HK$69,368
+HK$3,473/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,790/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,435
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,532
−HK$2,132/mo
Today · 4.125%
HK$71,664
baseline
▲ 0.50% · 4.625%
HK$76,024
+HK$4,360/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,328/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,021
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,033
−HK$2,041/mo
Today · 4.125%
HK$79,074
baseline
▲ 0.50% · 4.625%
HK$83,242
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,148/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,674
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,121
−HK$2,486/mo
Today · 4.125%
HK$83,607
baseline
▲ 0.50% · 4.625%
HK$88,695
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,214/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,524
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,871
−HK$2,382/mo
Today · 4.125%
HK$92,253
baseline
▲ 0.50% · 4.625%
HK$97,115
+HK$4,862/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,506/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,152
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,299
−HK$3,196/mo
Today · 4.125%
HK$107,495
baseline
▲ 0.50% · 4.625%
HK$114,036
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$214,990/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,531
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,549
−HK$3,062/mo
Today · 4.125%
HK$118,611
baseline
▲ 0.50% · 4.625%
HK$124,863
+HK$6,252/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,222/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,390 · Scale 2, in force from 26 Feb 2026)