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$55,907
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,766/mo
Today · 4.125%
HK$59,412
baseline
▲ 0.50% · 4.625%
HK$63,027
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,824/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,195
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,692/mo
Today · 4.125%
HK$65,556
baseline
▲ 0.50% · 4.625%
HK$69,011
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,112/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,088
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,175
−HK$2,120/mo
Today · 4.125%
HK$71,295
baseline
▲ 0.50% · 4.625%
HK$75,633
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,590/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,635
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,636
−HK$2,031/mo
Today · 4.125%
HK$78,667
baseline
▲ 0.50% · 4.625%
HK$82,813
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,334/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,269
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,704
−HK$2,473/mo
Today · 4.125%
HK$83,177
baseline
▲ 0.50% · 4.625%
HK$88,238
+HK$5,061/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,354/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,074
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,409
−HK$2,369/mo
Today · 4.125%
HK$91,778
baseline
▲ 0.50% · 4.625%
HK$96,616
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,556/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,632
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,762
−HK$3,180/mo
Today · 4.125%
HK$106,942
baseline
▲ 0.50% · 4.625%
HK$113,449
+HK$6,507/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,884/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,952
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,954
−HK$3,046/mo
Today · 4.125%
HK$118,000
baseline
▲ 0.50% · 4.625%
HK$124,220
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,000/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,001 · Scale 2, in force from 26 Feb 2026)