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$55,606
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,336
−HK$1,757/mo
Today · 4.125%
HK$59,093
baseline
▲ 0.50% · 4.625%
HK$62,689
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,186/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,861
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,521
−HK$1,683/mo
Today · 4.125%
HK$65,204
baseline
▲ 0.50% · 4.625%
HK$68,641
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,408/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,728
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,803
−HK$2,109/mo
Today · 4.125%
HK$70,912
baseline
▲ 0.50% · 4.625%
HK$75,227
+HK$4,315/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,824/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,234
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,225
−HK$2,019/mo
Today · 4.125%
HK$78,244
baseline
▲ 0.50% · 4.625%
HK$82,369
+HK$4,125/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,488/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,849
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,270
−HK$2,461/mo
Today · 4.125%
HK$82,731
baseline
▲ 0.50% · 4.625%
HK$87,765
+HK$5,034/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,462/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,606
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,929
−HK$2,356/mo
Today · 4.125%
HK$91,285
baseline
▲ 0.50% · 4.625%
HK$96,097
+HK$4,812/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,570/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,091
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,205
−HK$3,163/mo
Today · 4.125%
HK$106,368
baseline
▲ 0.50% · 4.625%
HK$112,840
+HK$6,472/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,736/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,351
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,337
−HK$3,030/mo
Today · 4.125%
HK$117,367
baseline
▲ 0.50% · 4.625%
HK$123,553
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,734/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,406 · Scale 2, in force from 26 Feb 2026)