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$55,884
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,623
−HK$1,766/mo
Today · 4.125%
HK$59,389
baseline
▲ 0.50% · 4.625%
HK$63,002
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,778/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,171
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,838
−HK$1,692/mo
Today · 4.125%
HK$65,530
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,060/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,061
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,147
−HK$2,120/mo
Today · 4.125%
HK$71,267
baseline
▲ 0.50% · 4.625%
HK$75,603
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,534/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,605
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,606
−HK$2,030/mo
Today · 4.125%
HK$78,636
baseline
▲ 0.50% · 4.625%
HK$82,781
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,272/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,238
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,672
−HK$2,472/mo
Today · 4.125%
HK$83,144
baseline
▲ 0.50% · 4.625%
HK$88,203
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,288/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,039
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,373
−HK$2,369/mo
Today · 4.125%
HK$91,742
baseline
▲ 0.50% · 4.625%
HK$96,577
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,484/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,592
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,721
−HK$3,179/mo
Today · 4.125%
HK$106,900
baseline
▲ 0.50% · 4.625%
HK$113,404
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,800/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,907
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,909
−HK$3,044/mo
Today · 4.125%
HK$117,953
baseline
▲ 0.50% · 4.625%
HK$124,171
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,906/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,587 · Scale 2, in force from 26 Feb 2026)