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$56,564
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,323
−HK$1,788/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,769
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,927
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,615
−HK$1,712/mo
Today · 4.125%
HK$66,327
baseline
▲ 0.50% · 4.625%
HK$69,823
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,654/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,877
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$2,145/mo
Today · 4.125%
HK$72,133
baseline
▲ 0.50% · 4.625%
HK$76,522
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,266/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,512
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,537
−HK$2,055/mo
Today · 4.125%
HK$79,592
baseline
▲ 0.50% · 4.625%
HK$83,787
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,184/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,190
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,653
−HK$2,502/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$89,276
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,098
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,460
−HK$2,397/mo
Today · 4.125%
HK$92,857
baseline
▲ 0.50% · 4.625%
HK$97,752
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,714/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,815
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,982
−HK$3,218/mo
Today · 4.125%
HK$108,200
baseline
▲ 0.50% · 4.625%
HK$114,784
+HK$6,584/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,400/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,268
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,306
−HK$3,082/mo
Today · 4.125%
HK$119,388
baseline
▲ 0.50% · 4.625%
HK$125,681
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,776/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,255 · Scale 2, in force from 26 Feb 2026)