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$55,569
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,298
−HK$1,756/mo
Today · 4.125%
HK$59,054
baseline
▲ 0.50% · 4.625%
HK$62,647
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,108/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,820
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,478
−HK$1,682/mo
Today · 4.125%
HK$65,160
baseline
▲ 0.50% · 4.625%
HK$68,595
+HK$3,435/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,320/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,683
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,757
−HK$2,108/mo
Today · 4.125%
HK$70,865
baseline
▲ 0.50% · 4.625%
HK$75,177
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,730/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,184
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,174
−HK$2,018/mo
Today · 4.125%
HK$78,192
baseline
▲ 0.50% · 4.625%
HK$82,314
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,384/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,797
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,217
−HK$2,458/mo
Today · 4.125%
HK$82,675
baseline
▲ 0.50% · 4.625%
HK$87,706
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,350/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,548
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,869
−HK$2,355/mo
Today · 4.125%
HK$91,224
baseline
▲ 0.50% · 4.625%
HK$96,033
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,448/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,025
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,136
−HK$3,161/mo
Today · 4.125%
HK$106,297
baseline
▲ 0.50% · 4.625%
HK$112,765
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,594/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,276
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,261
−HK$3,027/mo
Today · 4.125%
HK$117,288
baseline
▲ 0.50% · 4.625%
HK$123,471
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,576/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,714 · Scale 2, in force from 26 Feb 2026)