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$55,553
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,281
−HK$1,756/mo
Today · 4.125%
HK$59,037
baseline
▲ 0.50% · 4.625%
HK$62,629
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,074/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,802
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,460
−HK$1,681/mo
Today · 4.125%
HK$65,141
baseline
▲ 0.50% · 4.625%
HK$68,575
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,282/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,664
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,737
−HK$2,107/mo
Today · 4.125%
HK$70,844
baseline
▲ 0.50% · 4.625%
HK$75,155
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,688/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,163
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,152
−HK$2,017/mo
Today · 4.125%
HK$78,169
baseline
▲ 0.50% · 4.625%
HK$82,290
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,338/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,774
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,193
−HK$2,458/mo
Today · 4.125%
HK$82,651
baseline
▲ 0.50% · 4.625%
HK$87,680
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,302/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,523
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,843
−HK$2,354/mo
Today · 4.125%
HK$91,197
baseline
▲ 0.50% · 4.625%
HK$96,005
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,394/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,995
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,106
−HK$3,160/mo
Today · 4.125%
HK$106,266
baseline
▲ 0.50% · 4.625%
HK$112,732
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,532/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,244
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,227
−HK$3,027/mo
Today · 4.125%
HK$117,254
baseline
▲ 0.50% · 4.625%
HK$123,435
+HK$6,181/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,508/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,410 · Scale 2, in force from 26 Feb 2026)