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$55,910
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,767/mo
Today · 4.125%
HK$59,416
baseline
▲ 0.50% · 4.625%
HK$63,031
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,832/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,199
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,867
−HK$1,692/mo
Today · 4.125%
HK$65,559
baseline
▲ 0.50% · 4.625%
HK$69,015
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,118/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,092
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,179
−HK$2,120/mo
Today · 4.125%
HK$71,299
baseline
▲ 0.50% · 4.625%
HK$75,637
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,598/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,639
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,641
−HK$2,030/mo
Today · 4.125%
HK$78,671
baseline
▲ 0.50% · 4.625%
HK$82,818
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,342/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,274
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,708
−HK$2,474/mo
Today · 4.125%
HK$83,182
baseline
▲ 0.50% · 4.625%
HK$88,243
+HK$5,061/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,364/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,079
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,414
−HK$2,369/mo
Today · 4.125%
HK$91,783
baseline
▲ 0.50% · 4.625%
HK$96,621
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,566/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,637
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,768
−HK$3,180/mo
Today · 4.125%
HK$106,948
baseline
▲ 0.50% · 4.625%
HK$113,456
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,896/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,958
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,961
−HK$3,046/mo
Today · 4.125%
HK$118,007
baseline
▲ 0.50% · 4.625%
HK$124,227
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,014/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,060 · Scale 2, in force from 26 Feb 2026)