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$55,757
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,762/mo
Today · 4.125%
HK$59,254
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,605/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,508/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,693
−HK$1,688/mo
Today · 4.125%
HK$65,381
baseline
▲ 0.50% · 4.625%
HK$68,827
+HK$3,446/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,762/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,909
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$2,115/mo
Today · 4.125%
HK$71,105
baseline
▲ 0.50% · 4.625%
HK$75,431
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,210/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,436
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,432
−HK$2,025/mo
Today · 4.125%
HK$78,457
baseline
▲ 0.50% · 4.625%
HK$82,593
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,914/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,060
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,489
−HK$2,467/mo
Today · 4.125%
HK$82,956
baseline
▲ 0.50% · 4.625%
HK$88,003
+HK$5,047/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,912/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,841
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,171
−HK$2,362/mo
Today · 4.125%
HK$91,533
baseline
▲ 0.50% · 4.625%
HK$96,358
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,066/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,363
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,485
−HK$3,172/mo
Today · 4.125%
HK$106,657
baseline
▲ 0.50% · 4.625%
HK$113,147
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,314/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,653
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,648
−HK$3,038/mo
Today · 4.125%
HK$117,686
baseline
▲ 0.50% · 4.625%
HK$123,889
+HK$6,203/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,372/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,223 · Scale 2, in force from 26 Feb 2026)