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$55,624
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,354
−HK$1,758/mo
Today · 4.125%
HK$59,112
baseline
▲ 0.50% · 4.625%
HK$62,709
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,224/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,881
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,541
−HK$1,683/mo
Today · 4.125%
HK$65,224
baseline
▲ 0.50% · 4.625%
HK$68,662
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,448/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,749
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,825
−HK$2,109/mo
Today · 4.125%
HK$70,934
baseline
▲ 0.50% · 4.625%
HK$75,251
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,868/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,257
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,249
−HK$2,020/mo
Today · 4.125%
HK$78,269
baseline
▲ 0.50% · 4.625%
HK$82,395
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,538/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,873
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,296
−HK$2,461/mo
Today · 4.125%
HK$82,757
baseline
▲ 0.50% · 4.625%
HK$87,792
+HK$5,035/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,514/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,633
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,957
−HK$2,357/mo
Today · 4.125%
HK$91,314
baseline
▲ 0.50% · 4.625%
HK$96,127
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,628/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,123
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,237
−HK$3,165/mo
Today · 4.125%
HK$106,402
baseline
▲ 0.50% · 4.625%
HK$112,876
+HK$6,474/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,804/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,386
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,373
−HK$3,031/mo
Today · 4.125%
HK$117,404
baseline
▲ 0.50% · 4.625%
HK$123,592
+HK$6,188/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,808/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,732 · Scale 2, in force from 26 Feb 2026)