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$56,141
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,888
−HK$1,774/mo
Today · 4.125%
HK$59,662
baseline
▲ 0.50% · 4.625%
HK$63,292
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,324/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,457
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,132
−HK$1,699/mo
Today · 4.125%
HK$65,831
baseline
▲ 0.50% · 4.625%
HK$69,301
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,662/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,370
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,465
−HK$2,129/mo
Today · 4.125%
HK$71,594
baseline
▲ 0.50% · 4.625%
HK$75,951
+HK$4,357/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,188/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,948
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,958
−HK$2,039/mo
Today · 4.125%
HK$78,997
baseline
▲ 0.50% · 4.625%
HK$83,161
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,994/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,598
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,043
−HK$2,484/mo
Today · 4.125%
HK$83,527
baseline
▲ 0.50% · 4.625%
HK$88,609
+HK$5,082/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,054/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,439
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,784
−HK$2,379/mo
Today · 4.125%
HK$92,163
baseline
▲ 0.50% · 4.625%
HK$97,021
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,326/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,054
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,198
−HK$3,193/mo
Today · 4.125%
HK$107,391
baseline
▲ 0.50% · 4.625%
HK$113,926
+HK$6,535/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,782/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,422
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,437
−HK$3,059/mo
Today · 4.125%
HK$118,496
baseline
▲ 0.50% · 4.625%
HK$124,742
+HK$6,246/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,992/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,376 · Scale 2, in force from 26 Feb 2026)