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$55,590
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,319
−HK$1,757/mo
Today · 4.125%
HK$59,076
baseline
▲ 0.50% · 4.625%
HK$62,670
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,152/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,843
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,501
−HK$1,683/mo
Today · 4.125%
HK$65,184
baseline
▲ 0.50% · 4.625%
HK$68,620
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,368/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,708
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,783
−HK$2,108/mo
Today · 4.125%
HK$70,891
baseline
▲ 0.50% · 4.625%
HK$75,204
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,782/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,211
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,202
−HK$2,019/mo
Today · 4.125%
HK$78,221
baseline
▲ 0.50% · 4.625%
HK$82,344
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,442/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,825
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,246
−HK$2,460/mo
Today · 4.125%
HK$82,706
baseline
▲ 0.50% · 4.625%
HK$87,738
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,412/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,580
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,902
−HK$2,356/mo
Today · 4.125%
HK$91,258
baseline
▲ 0.50% · 4.625%
HK$96,068
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,516/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,061
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,174
−HK$3,162/mo
Today · 4.125%
HK$106,336
baseline
▲ 0.50% · 4.625%
HK$112,806
+HK$6,470/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,672/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,317
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,303
−HK$3,028/mo
Today · 4.125%
HK$117,331
baseline
▲ 0.50% · 4.625%
HK$123,516
+HK$6,185/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,662/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,094 · Scale 2, in force from 26 Feb 2026)