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$55,913
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,653
−HK$1,767/mo
Today · 4.125%
HK$59,420
baseline
▲ 0.50% · 4.625%
HK$63,035
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,840/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,203
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,871
−HK$1,693/mo
Today · 4.125%
HK$65,564
baseline
▲ 0.50% · 4.625%
HK$69,020
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,128/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,183
−HK$2,121/mo
Today · 4.125%
HK$71,304
baseline
▲ 0.50% · 4.625%
HK$75,642
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,608/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,644
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,030/mo
Today · 4.125%
HK$78,676
baseline
▲ 0.50% · 4.625%
HK$82,824
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,352/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,279
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,714
−HK$2,473/mo
Today · 4.125%
HK$83,187
baseline
▲ 0.50% · 4.625%
HK$88,249
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,374/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,084
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,420
−HK$2,369/mo
Today · 4.125%
HK$91,789
baseline
▲ 0.50% · 4.625%
HK$96,627
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,578/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,644
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,775
−HK$3,180/mo
Today · 4.125%
HK$106,955
baseline
▲ 0.50% · 4.625%
HK$113,463
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,910/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,965
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,968
−HK$3,047/mo
Today · 4.125%
HK$118,015
baseline
▲ 0.50% · 4.625%
HK$124,235
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,030/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,127 · Scale 2, in force from 26 Feb 2026)