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$55,644
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,375
−HK$1,758/mo
Today · 4.125%
HK$59,133
baseline
▲ 0.50% · 4.625%
HK$62,731
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,266/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,903
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,563
−HK$1,685/mo
Today · 4.125%
HK$65,248
baseline
▲ 0.50% · 4.625%
HK$68,687
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,496/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,773
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,850
−HK$2,110/mo
Today · 4.125%
HK$70,960
baseline
▲ 0.50% · 4.625%
HK$75,278
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,920/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,284
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,276
−HK$2,021/mo
Today · 4.125%
HK$78,297
baseline
▲ 0.50% · 4.625%
HK$82,424
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,594/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,901
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,325
−HK$2,461/mo
Today · 4.125%
HK$82,786
baseline
▲ 0.50% · 4.625%
HK$87,824
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,572/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,664
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,989
−HK$2,358/mo
Today · 4.125%
HK$91,347
baseline
▲ 0.50% · 4.625%
HK$96,162
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,694/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,159
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,274
−HK$3,166/mo
Today · 4.125%
HK$106,440
baseline
▲ 0.50% · 4.625%
HK$112,916
+HK$6,476/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,880/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,426
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,414
−HK$3,032/mo
Today · 4.125%
HK$117,446
baseline
▲ 0.50% · 4.625%
HK$123,636
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,892/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,104 · Scale 2, in force from 26 Feb 2026)