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$56,559
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,319
−HK$1,787/mo
Today · 4.125%
HK$60,106
baseline
▲ 0.50% · 4.625%
HK$63,764
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,212/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,922
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,609
−HK$1,712/mo
Today · 4.125%
HK$66,321
baseline
▲ 0.50% · 4.625%
HK$69,817
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,642/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,871
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$2,144/mo
Today · 4.125%
HK$72,127
baseline
▲ 0.50% · 4.625%
HK$76,516
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,254/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,531
−HK$2,055/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,183
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,646
−HK$2,503/mo
Today · 4.125%
HK$84,149
baseline
▲ 0.50% · 4.625%
HK$89,269
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,298/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,091
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,453
−HK$2,397/mo
Today · 4.125%
HK$92,850
baseline
▲ 0.50% · 4.625%
HK$97,744
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,700/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,807
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,974
−HK$3,217/mo
Today · 4.125%
HK$108,191
baseline
▲ 0.50% · 4.625%
HK$114,774
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,382/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,259
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,297
−HK$3,081/mo
Today · 4.125%
HK$119,378
baseline
▲ 0.50% · 4.625%
HK$125,671
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,756/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,170 · Scale 2, in force from 26 Feb 2026)