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$56,233
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,982
−HK$1,777/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$63,396
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,559
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,237
−HK$1,702/mo
Today · 4.125%
HK$65,939
baseline
▲ 0.50% · 4.625%
HK$69,414
+HK$3,475/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,878/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,480
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,579
−HK$2,132/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$76,075
+HK$4,364/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,070
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,084
−HK$2,042/mo
Today · 4.125%
HK$79,126
baseline
▲ 0.50% · 4.625%
HK$83,297
+HK$4,171/mo
Deposit HK$9.86M · loan HK$14.80M · min. income ≈ HK$158,252/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,726
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,175
−HK$2,488/mo
Today · 4.125%
HK$83,663
baseline
▲ 0.50% · 4.625%
HK$88,754
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$167,326/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,582
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,931
−HK$2,383/mo
Today · 4.125%
HK$92,314
baseline
▲ 0.50% · 4.625%
HK$97,180
+HK$4,866/mo
Deposit HK$7.40M · loan HK$17.26M · min. income ≈ HK$184,628/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,220
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,368
−HK$3,199/mo
Today · 4.125%
HK$107,567
baseline
▲ 0.50% · 4.625%
HK$114,112
+HK$6,545/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$215,134/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,606
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,626
−HK$3,063/mo
Today · 4.125%
HK$118,689
baseline
▲ 0.50% · 4.625%
HK$124,946
+HK$6,257/mo
Deposit HK$2.47M · loan HK$22.19M · min. income ≈ HK$237,378/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,086 · Scale 2, in force from 26 Feb 2026)