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$55,886
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,767/mo
Today · 4.125%
HK$59,391
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,782/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,173
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,840
−HK$1,692/mo
Today · 4.125%
HK$65,532
baseline
▲ 0.50% · 4.625%
HK$68,986
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,064/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,063
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,149
−HK$2,120/mo
Today · 4.125%
HK$71,269
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,538/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,030/mo
Today · 4.125%
HK$78,638
baseline
▲ 0.50% · 4.625%
HK$82,783
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,276/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,240
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,674
−HK$2,473/mo
Today · 4.125%
HK$83,147
baseline
▲ 0.50% · 4.625%
HK$88,206
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,294/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,042
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,376
−HK$2,368/mo
Today · 4.125%
HK$91,744
baseline
▲ 0.50% · 4.625%
HK$96,580
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,488/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,595
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,724
−HK$3,179/mo
Today · 4.125%
HK$106,903
baseline
▲ 0.50% · 4.625%
HK$113,408
+HK$6,505/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,806/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,911
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,912
−HK$3,045/mo
Today · 4.125%
HK$117,957
baseline
▲ 0.50% · 4.625%
HK$124,175
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,914/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,619 · Scale 2, in force from 26 Feb 2026)