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$56,242
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,991
−HK$1,777/mo
Today · 4.125%
HK$59,768
baseline
▲ 0.50% · 4.625%
HK$63,405
+HK$3,637/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$119,536/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,568
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,246
−HK$1,702/mo
Today · 4.125%
HK$65,948
baseline
▲ 0.50% · 4.625%
HK$69,425
+HK$3,477/mo
Deposit HK$12.33M · loan HK$12.33M · min. income ≈ HK$131,896/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,490
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$2,133/mo
Today · 4.125%
HK$71,722
baseline
▲ 0.50% · 4.625%
HK$76,086
+HK$4,364/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$143,444/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,082
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,095
−HK$2,043/mo
Today · 4.125%
HK$79,138
baseline
▲ 0.50% · 4.625%
HK$83,310
+HK$4,172/mo
Deposit HK$9.87M · loan HK$14.80M · min. income ≈ HK$158,276/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,738
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,187
−HK$2,489/mo
Today · 4.125%
HK$83,676
baseline
▲ 0.50% · 4.625%
HK$88,767
+HK$5,091/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$167,352/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,595
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,945
−HK$2,383/mo
Today · 4.125%
HK$92,328
baseline
▲ 0.50% · 4.625%
HK$97,195
+HK$4,867/mo
Deposit HK$7.40M · loan HK$17.27M · min. income ≈ HK$184,656/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,235
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,384
−HK$3,199/mo
Today · 4.125%
HK$107,583
baseline
▲ 0.50% · 4.625%
HK$114,129
+HK$6,546/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$215,166/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,623
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,643
−HK$3,064/mo
Today · 4.125%
HK$118,707
baseline
▲ 0.50% · 4.625%
HK$124,965
+HK$6,258/mo
Deposit HK$2.47M · loan HK$22.20M · min. income ≈ HK$237,414/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,048,244 · Scale 2, in force from 26 Feb 2026)