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$56,204
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,777/mo
Today · 4.125%
HK$59,729
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,634/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,458/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,527
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,203
−HK$1,702/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,379
+HK$3,474/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,445
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$2,131/mo
Today · 4.125%
HK$71,674
baseline
▲ 0.50% · 4.625%
HK$76,036
+HK$4,362/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$143,348/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,032
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,044
−HK$2,042/mo
Today · 4.125%
HK$79,086
baseline
▲ 0.50% · 4.625%
HK$83,254
+HK$4,168/mo
Deposit HK$9.86M · loan HK$14.79M · min. income ≈ HK$158,172/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,686
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,133
−HK$2,487/mo
Today · 4.125%
HK$83,620
baseline
▲ 0.50% · 4.625%
HK$88,708
+HK$5,088/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$167,240/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,537
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,885
−HK$2,382/mo
Today · 4.125%
HK$92,267
baseline
▲ 0.50% · 4.625%
HK$97,130
+HK$4,863/mo
Deposit HK$7.39M · loan HK$17.25M · min. income ≈ HK$184,534/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,167
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,314
−HK$3,198/mo
Today · 4.125%
HK$107,512
baseline
▲ 0.50% · 4.625%
HK$114,053
+HK$6,541/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$215,024/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,548
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,566
−HK$3,062/mo
Today · 4.125%
HK$118,628
baseline
▲ 0.50% · 4.625%
HK$124,881
+HK$6,253/mo
Deposit HK$2.46M · loan HK$22.18M · min. income ≈ HK$237,256/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,047,547 · Scale 2, in force from 26 Feb 2026)