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$55,866
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,604
−HK$1,765/mo
Today · 4.125%
HK$59,369
baseline
▲ 0.50% · 4.625%
HK$62,982
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,738/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,151
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,817
−HK$1,691/mo
Today · 4.125%
HK$65,508
baseline
▲ 0.50% · 4.625%
HK$68,961
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,016/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,039
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,125
−HK$2,118/mo
Today · 4.125%
HK$71,243
baseline
▲ 0.50% · 4.625%
HK$75,578
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,486/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,581
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,581
−HK$2,029/mo
Today · 4.125%
HK$78,610
baseline
▲ 0.50% · 4.625%
HK$82,754
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,220/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,213
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,645
−HK$2,472/mo
Today · 4.125%
HK$83,117
baseline
▲ 0.50% · 4.625%
HK$88,175
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,234/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,011
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,344
−HK$2,368/mo
Today · 4.125%
HK$91,712
baseline
▲ 0.50% · 4.625%
HK$96,546
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,424/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,559
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,687
−HK$3,178/mo
Today · 4.125%
HK$106,865
baseline
▲ 0.50% · 4.625%
HK$113,367
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,730/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,871
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,871
−HK$3,044/mo
Today · 4.125%
HK$117,915
baseline
▲ 0.50% · 4.625%
HK$124,130
+HK$6,215/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,830/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,248 · Scale 2, in force from 26 Feb 2026)