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$55,515
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,242
−HK$1,754/mo
Today · 4.125%
HK$58,996
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,992/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,760
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,416
−HK$1,681/mo
Today · 4.125%
HK$65,097
baseline
▲ 0.50% · 4.625%
HK$68,528
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,194/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,618
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,690
−HK$2,106/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$75,104
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,112
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,100
−HK$2,016/mo
Today · 4.125%
HK$78,116
baseline
▲ 0.50% · 4.625%
HK$82,234
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,232/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,721
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,139
−HK$2,456/mo
Today · 4.125%
HK$82,595
baseline
▲ 0.50% · 4.625%
HK$87,621
+HK$5,026/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,190/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,464
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,783
−HK$2,353/mo
Today · 4.125%
HK$91,136
baseline
▲ 0.50% · 4.625%
HK$95,939
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,272/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,927
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,036
−HK$3,158/mo
Today · 4.125%
HK$106,194
baseline
▲ 0.50% · 4.625%
HK$112,655
+HK$6,461/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,388/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,168
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,150
−HK$3,024/mo
Today · 4.125%
HK$117,174
baseline
▲ 0.50% · 4.625%
HK$123,351
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,348/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,707 · Scale 2, in force from 26 Feb 2026)