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$56,103
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,848
−HK$1,773/mo
Today · 4.125%
HK$59,621
baseline
▲ 0.50% · 4.625%
HK$63,249
+HK$3,628/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,242/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,414
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,088
−HK$1,698/mo
Today · 4.125%
HK$65,786
baseline
▲ 0.50% · 4.625%
HK$69,254
+HK$3,468/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,572/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,323
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,418
−HK$2,127/mo
Today · 4.125%
HK$71,545
baseline
▲ 0.50% · 4.625%
HK$75,899
+HK$4,354/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$143,090/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,897
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,905
−HK$2,038/mo
Today · 4.125%
HK$78,943
baseline
▲ 0.50% · 4.625%
HK$83,104
+HK$4,161/mo
Deposit HK$9.84M · loan HK$14.76M · min. income ≈ HK$157,886/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,544
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,987
−HK$2,482/mo
Today · 4.125%
HK$83,469
baseline
▲ 0.50% · 4.625%
HK$88,548
+HK$5,079/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$166,938/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,379
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,723
−HK$2,377/mo
Today · 4.125%
HK$92,100
baseline
▲ 0.50% · 4.625%
HK$96,955
+HK$4,855/mo
Deposit HK$7.38M · loan HK$17.22M · min. income ≈ HK$184,200/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,985
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,126
−HK$3,192/mo
Today · 4.125%
HK$107,318
baseline
▲ 0.50% · 4.625%
HK$113,848
+HK$6,530/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$214,636/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,345
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,358
−HK$3,057/mo
Today · 4.125%
HK$118,415
baseline
▲ 0.50% · 4.625%
HK$124,656
+HK$6,241/mo
Deposit HK$2.46M · loan HK$22.14M · min. income ≈ HK$236,830/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,045,659 · Scale 2, in force from 26 Feb 2026)