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$56,551
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,311
−HK$1,787/mo
Today · 4.125%
HK$60,098
baseline
▲ 0.50% · 4.625%
HK$63,755
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,196/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,913
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,600
−HK$1,712/mo
Today · 4.125%
HK$66,312
baseline
▲ 0.50% · 4.625%
HK$69,807
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,624/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,862
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,973
−HK$2,144/mo
Today · 4.125%
HK$72,117
baseline
▲ 0.50% · 4.625%
HK$76,505
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,234/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,496
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,520
−HK$2,054/mo
Today · 4.125%
HK$79,574
baseline
▲ 0.50% · 4.625%
HK$83,769
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,148/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,172
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,635
−HK$2,502/mo
Today · 4.125%
HK$84,137
baseline
▲ 0.50% · 4.625%
HK$89,256
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,274/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,078
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,440
−HK$2,397/mo
Today · 4.125%
HK$92,837
baseline
▲ 0.50% · 4.625%
HK$97,730
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,674/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,793
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,959
−HK$3,217/mo
Today · 4.125%
HK$108,176
baseline
▲ 0.50% · 4.625%
HK$114,758
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,352/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,243
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,280
−HK$3,081/mo
Today · 4.125%
HK$119,361
baseline
▲ 0.50% · 4.625%
HK$125,653
+HK$6,292/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,722/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,021 · Scale 2, in force from 26 Feb 2026)