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$56,136
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,883
−HK$1,774/mo
Today · 4.125%
HK$59,657
baseline
▲ 0.50% · 4.625%
HK$63,287
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,314/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,451
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,126
−HK$1,699/mo
Today · 4.125%
HK$65,825
baseline
▲ 0.50% · 4.625%
HK$69,295
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,650/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,364
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,459
−HK$2,129/mo
Today · 4.125%
HK$71,588
baseline
▲ 0.50% · 4.625%
HK$75,944
+HK$4,356/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,176/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,942
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,951
−HK$2,039/mo
Today · 4.125%
HK$78,990
baseline
▲ 0.50% · 4.625%
HK$83,154
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,980/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,591
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,036
−HK$2,483/mo
Today · 4.125%
HK$83,519
baseline
▲ 0.50% · 4.625%
HK$88,601
+HK$5,082/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$167,038/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,432
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,777
−HK$2,378/mo
Today · 4.125%
HK$92,155
baseline
▲ 0.50% · 4.625%
HK$97,013
+HK$4,858/mo
Deposit HK$7.39M · loan HK$17.23M · min. income ≈ HK$184,310/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,046
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,189
−HK$3,193/mo
Today · 4.125%
HK$107,382
baseline
▲ 0.50% · 4.625%
HK$113,916
+HK$6,534/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$214,764/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,412
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,427
−HK$3,059/mo
Today · 4.125%
HK$118,486
baseline
▲ 0.50% · 4.625%
HK$124,731
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.16M · min. income ≈ HK$236,972/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,286 · Scale 2, in force from 26 Feb 2026)