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$55,552
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,280
−HK$1,755/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,627
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,801
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,458
−HK$1,682/mo
Today · 4.125%
HK$65,140
baseline
▲ 0.50% · 4.625%
HK$68,573
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,280/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,662
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,736
−HK$2,106/mo
Today · 4.125%
HK$70,842
baseline
▲ 0.50% · 4.625%
HK$75,153
+HK$4,311/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,684/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,161
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,150
−HK$2,018/mo
Today · 4.125%
HK$78,168
baseline
▲ 0.50% · 4.625%
HK$82,288
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,336/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,772
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,192
−HK$2,457/mo
Today · 4.125%
HK$82,649
baseline
▲ 0.50% · 4.625%
HK$87,678
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,298/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,521
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,841
−HK$2,354/mo
Today · 4.125%
HK$91,195
baseline
▲ 0.50% · 4.625%
HK$96,002
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,390/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,993
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,103
−HK$3,160/mo
Today · 4.125%
HK$106,263
baseline
▲ 0.50% · 4.625%
HK$112,729
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,526/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,241
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,225
−HK$3,026/mo
Today · 4.125%
HK$117,251
baseline
▲ 0.50% · 4.625%
HK$123,432
+HK$6,181/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,502/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,387 · Scale 2, in force from 26 Feb 2026)