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$55,635
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,365
−HK$1,758/mo
Today · 4.125%
HK$59,123
baseline
▲ 0.50% · 4.625%
HK$62,721
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,246/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,893
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,553
−HK$1,684/mo
Today · 4.125%
HK$65,237
baseline
▲ 0.50% · 4.625%
HK$68,676
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,474/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,762
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,838
−HK$2,110/mo
Today · 4.125%
HK$70,948
baseline
▲ 0.50% · 4.625%
HK$75,265
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,896/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,272
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,263
−HK$2,021/mo
Today · 4.125%
HK$78,284
baseline
▲ 0.50% · 4.625%
HK$82,411
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,568/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,888
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,311
−HK$2,462/mo
Today · 4.125%
HK$82,773
baseline
▲ 0.50% · 4.625%
HK$87,809
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,546/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,650
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,974
−HK$2,358/mo
Today · 4.125%
HK$91,332
baseline
▲ 0.50% · 4.625%
HK$96,146
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,664/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,142
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,257
−HK$3,165/mo
Today · 4.125%
HK$106,422
baseline
▲ 0.50% · 4.625%
HK$112,898
+HK$6,476/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,844/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,407
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,395
−HK$3,031/mo
Today · 4.125%
HK$117,426
baseline
▲ 0.50% · 4.625%
HK$123,616
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,852/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,933 · Scale 2, in force from 26 Feb 2026)