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$55,608
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,337
−HK$1,758/mo
Today · 4.125%
HK$59,095
baseline
▲ 0.50% · 4.625%
HK$62,691
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,190/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,863
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,522
−HK$1,683/mo
Today · 4.125%
HK$65,205
baseline
▲ 0.50% · 4.625%
HK$68,642
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,410/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,729
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,805
−HK$2,109/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$75,229
+HK$4,315/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,236
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,227
−HK$2,019/mo
Today · 4.125%
HK$78,246
baseline
▲ 0.50% · 4.625%
HK$82,371
+HK$4,125/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,492/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,851
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,272
−HK$2,461/mo
Today · 4.125%
HK$82,733
baseline
▲ 0.50% · 4.625%
HK$87,767
+HK$5,034/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,466/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,608
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,931
−HK$2,356/mo
Today · 4.125%
HK$91,287
baseline
▲ 0.50% · 4.625%
HK$96,099
+HK$4,812/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,574/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,094
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,207
−HK$3,164/mo
Today · 4.125%
HK$106,371
baseline
▲ 0.50% · 4.625%
HK$112,843
+HK$6,472/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,742/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,353
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,340
−HK$3,029/mo
Today · 4.125%
HK$117,369
baseline
▲ 0.50% · 4.625%
HK$123,556
+HK$6,187/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,738/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,431 · Scale 2, in force from 26 Feb 2026)