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$56,131
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,877
−HK$1,774/mo
Today · 4.125%
HK$59,651
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,630/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$119,302/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,446
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,699/mo
Today · 4.125%
HK$65,819
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,470/mo
Deposit HK$12.31M · loan HK$12.31M · min. income ≈ HK$131,638/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,358
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,453
−HK$2,129/mo
Today · 4.125%
HK$71,582
baseline
▲ 0.50% · 4.625%
HK$75,937
+HK$4,355/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$143,164/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,935
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,945
−HK$2,038/mo
Today · 4.125%
HK$78,983
baseline
▲ 0.50% · 4.625%
HK$83,147
+HK$4,164/mo
Deposit HK$9.85M · loan HK$14.77M · min. income ≈ HK$157,966/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,584
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,484/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$88,593
+HK$5,081/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,424
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,769
−HK$2,378/mo
Today · 4.125%
HK$92,147
baseline
▲ 0.50% · 4.625%
HK$97,004
+HK$4,857/mo
Deposit HK$7.38M · loan HK$17.23M · min. income ≈ HK$184,294/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,037
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,179
−HK$3,194/mo
Today · 4.125%
HK$107,373
baseline
▲ 0.50% · 4.625%
HK$113,906
+HK$6,533/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$214,746/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,402
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,417
−HK$3,058/mo
Today · 4.125%
HK$118,475
baseline
▲ 0.50% · 4.625%
HK$124,720
+HK$6,245/mo
Deposit HK$2.46M · loan HK$22.15M · min. income ≈ HK$236,950/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,193 · Scale 2, in force from 26 Feb 2026)