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$55,846
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,583
−HK$1,765/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,959
+HK$3,611/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,128
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,794
−HK$1,691/mo
Today · 4.125%
HK$65,485
baseline
▲ 0.50% · 4.625%
HK$68,936
+HK$3,451/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,970/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,015
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,100
−HK$2,117/mo
Today · 4.125%
HK$71,217
baseline
▲ 0.50% · 4.625%
HK$75,551
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,434/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,554
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,553
−HK$2,028/mo
Today · 4.125%
HK$78,581
baseline
▲ 0.50% · 4.625%
HK$82,724
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,162/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,184
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,616
−HK$2,471/mo
Today · 4.125%
HK$83,087
baseline
▲ 0.50% · 4.625%
HK$88,143
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,174/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,979
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,312
−HK$2,366/mo
Today · 4.125%
HK$91,678
baseline
▲ 0.50% · 4.625%
HK$96,511
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,356/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,523
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,649
−HK$3,177/mo
Today · 4.125%
HK$106,826
baseline
▲ 0.50% · 4.625%
HK$113,326
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,652/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,830
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,830
−HK$3,042/mo
Today · 4.125%
HK$117,872
baseline
▲ 0.50% · 4.625%
HK$124,085
+HK$6,213/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,744/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,869 · Scale 2, in force from 26 Feb 2026)