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$55,593
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,322
−HK$1,757/mo
Today · 4.125%
HK$59,079
baseline
▲ 0.50% · 4.625%
HK$62,674
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,158/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,846
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,505
−HK$1,683/mo
Today · 4.125%
HK$65,188
baseline
▲ 0.50% · 4.625%
HK$68,624
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,376/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,711
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,786
−HK$2,109/mo
Today · 4.125%
HK$70,895
baseline
▲ 0.50% · 4.625%
HK$75,209
+HK$4,314/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,790/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,216
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,206
−HK$2,019/mo
Today · 4.125%
HK$78,225
baseline
▲ 0.50% · 4.625%
HK$82,349
+HK$4,124/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,450/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,830
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,251
−HK$2,460/mo
Today · 4.125%
HK$82,711
baseline
▲ 0.50% · 4.625%
HK$87,743
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,422/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,585
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,907
−HK$2,356/mo
Today · 4.125%
HK$91,263
baseline
▲ 0.50% · 4.625%
HK$96,074
+HK$4,811/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,526/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,067
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,180
−HK$3,162/mo
Today · 4.125%
HK$106,342
baseline
▲ 0.50% · 4.625%
HK$112,813
+HK$6,471/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,684/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,324
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,309
−HK$3,029/mo
Today · 4.125%
HK$117,338
baseline
▲ 0.50% · 4.625%
HK$123,523
+HK$6,185/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,676/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,153 · Scale 2, in force from 26 Feb 2026)