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$55,588
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,317
−HK$1,757/mo
Today · 4.125%
HK$59,074
baseline
▲ 0.50% · 4.625%
HK$62,669
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,148/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,841
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,500
−HK$1,682/mo
Today · 4.125%
HK$65,182
baseline
▲ 0.50% · 4.625%
HK$68,618
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,364/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,706
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,781
−HK$2,108/mo
Today · 4.125%
HK$70,889
baseline
▲ 0.50% · 4.625%
HK$75,202
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,778/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,210
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,200
−HK$2,019/mo
Today · 4.125%
HK$78,219
baseline
▲ 0.50% · 4.625%
HK$82,342
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,438/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,823
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,244
−HK$2,460/mo
Today · 4.125%
HK$82,704
baseline
▲ 0.50% · 4.625%
HK$87,736
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,408/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,578
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,900
−HK$2,355/mo
Today · 4.125%
HK$91,255
baseline
▲ 0.50% · 4.625%
HK$96,066
+HK$4,811/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,510/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,059
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,171
−HK$3,162/mo
Today · 4.125%
HK$106,333
baseline
▲ 0.50% · 4.625%
HK$112,803
+HK$6,470/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,666/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,314
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,300
−HK$3,028/mo
Today · 4.125%
HK$117,328
baseline
▲ 0.50% · 4.625%
HK$123,513
+HK$6,185/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,656/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,068 · Scale 2, in force from 26 Feb 2026)