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$55,925
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,664
−HK$1,768/mo
Today · 4.125%
HK$59,432
baseline
▲ 0.50% · 4.625%
HK$63,048
+HK$3,616/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,864/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,216
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,884
−HK$1,693/mo
Today · 4.125%
HK$65,577
baseline
▲ 0.50% · 4.625%
HK$69,033
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,154/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,109
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,197
−HK$2,121/mo
Today · 4.125%
HK$71,318
baseline
▲ 0.50% · 4.625%
HK$75,657
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,636/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,659
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,661
−HK$2,031/mo
Today · 4.125%
HK$78,692
baseline
▲ 0.50% · 4.625%
HK$82,840
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,384/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,294
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,730
−HK$2,474/mo
Today · 4.125%
HK$83,204
baseline
▲ 0.50% · 4.625%
HK$88,267
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,408/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,102
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,438
−HK$2,370/mo
Today · 4.125%
HK$91,808
baseline
▲ 0.50% · 4.625%
HK$96,647
+HK$4,839/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,616/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,664
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,795
−HK$3,182/mo
Today · 4.125%
HK$106,977
baseline
▲ 0.50% · 4.625%
HK$113,486
+HK$6,509/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,954/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,988
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,991
−HK$3,047/mo
Today · 4.125%
HK$118,038
baseline
▲ 0.50% · 4.625%
HK$124,260
+HK$6,222/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,076/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,337 · Scale 2, in force from 26 Feb 2026)