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$55,886
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,766/mo
Today · 4.125%
HK$59,390
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,780/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,172
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,840
−HK$1,691/mo
Today · 4.125%
HK$65,531
baseline
▲ 0.50% · 4.625%
HK$68,986
+HK$3,455/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,062/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,063
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,149
−HK$2,119/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,030/mo
Today · 4.125%
HK$78,638
baseline
▲ 0.50% · 4.625%
HK$82,783
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,276/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,240
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,674
−HK$2,472/mo
Today · 4.125%
HK$83,146
baseline
▲ 0.50% · 4.625%
HK$88,206
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,292/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,041
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,376
−HK$2,368/mo
Today · 4.125%
HK$91,744
baseline
▲ 0.50% · 4.625%
HK$96,580
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,488/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,594
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,723
−HK$3,180/mo
Today · 4.125%
HK$106,903
baseline
▲ 0.50% · 4.625%
HK$113,407
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,806/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,910
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,912
−HK$3,044/mo
Today · 4.125%
HK$117,956
baseline
▲ 0.50% · 4.625%
HK$124,174
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,912/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,614 · Scale 2, in force from 26 Feb 2026)