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$55,516
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,243
−HK$1,755/mo
Today · 4.125%
HK$58,998
baseline
▲ 0.50% · 4.625%
HK$62,588
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,996/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,762
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,418
−HK$1,680/mo
Today · 4.125%
HK$65,098
baseline
▲ 0.50% · 4.625%
HK$68,530
+HK$3,432/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,196/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,620
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,692
−HK$2,105/mo
Today · 4.125%
HK$70,797
baseline
▲ 0.50% · 4.625%
HK$75,105
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,594/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,114
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,102
−HK$2,016/mo
Today · 4.125%
HK$78,118
baseline
▲ 0.50% · 4.625%
HK$82,236
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,236/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,723
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,141
−HK$2,456/mo
Today · 4.125%
HK$82,597
baseline
▲ 0.50% · 4.625%
HK$87,623
+HK$5,026/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,194/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,466
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,785
−HK$2,353/mo
Today · 4.125%
HK$91,138
baseline
▲ 0.50% · 4.625%
HK$95,942
+HK$4,804/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,276/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,930
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,038
−HK$3,158/mo
Today · 4.125%
HK$106,196
baseline
▲ 0.50% · 4.625%
HK$112,658
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,392/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,171
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,152
−HK$3,025/mo
Today · 4.125%
HK$117,177
baseline
▲ 0.50% · 4.625%
HK$123,353
+HK$6,176/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,354/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,730 · Scale 2, in force from 26 Feb 2026)