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$56,074
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,818
−HK$1,772/mo
Today · 4.125%
HK$59,590
baseline
▲ 0.50% · 4.625%
HK$63,216
+HK$3,626/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,180/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,382
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,055
−HK$1,697/mo
Today · 4.125%
HK$65,752
baseline
▲ 0.50% · 4.625%
HK$69,218
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,504/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,289
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,382
−HK$2,126/mo
Today · 4.125%
HK$71,508
baseline
▲ 0.50% · 4.625%
HK$75,859
+HK$4,351/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$143,016/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,858
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,866
−HK$2,036/mo
Today · 4.125%
HK$78,902
baseline
▲ 0.50% · 4.625%
HK$83,061
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$157,804/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,503
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,945
−HK$2,481/mo
Today · 4.125%
HK$83,426
baseline
▲ 0.50% · 4.625%
HK$88,503
+HK$5,077/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,852/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,334
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,677
−HK$2,376/mo
Today · 4.125%
HK$92,053
baseline
▲ 0.50% · 4.625%
HK$96,905
+HK$4,852/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,106/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,933
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,073
−HK$3,189/mo
Today · 4.125%
HK$107,262
baseline
▲ 0.50% · 4.625%
HK$113,789
+HK$6,527/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,524/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,287
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,298
−HK$3,056/mo
Today · 4.125%
HK$118,354
baseline
▲ 0.50% · 4.625%
HK$124,592
+HK$6,238/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,708/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,120 · Scale 2, in force from 26 Feb 2026)