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$55,557
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,756/mo
Today · 4.125%
HK$59,041
baseline
▲ 0.50% · 4.625%
HK$62,634
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,082/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,807
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,465
−HK$1,681/mo
Today · 4.125%
HK$65,146
baseline
▲ 0.50% · 4.625%
HK$68,580
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,292/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,669
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,742
−HK$2,107/mo
Today · 4.125%
HK$70,849
baseline
▲ 0.50% · 4.625%
HK$75,160
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,698/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,168
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,157
−HK$2,018/mo
Today · 4.125%
HK$78,175
baseline
▲ 0.50% · 4.625%
HK$82,296
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,350/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,780
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,200
−HK$2,458/mo
Today · 4.125%
HK$82,658
baseline
▲ 0.50% · 4.625%
HK$87,687
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,316/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,530
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,850
−HK$2,355/mo
Today · 4.125%
HK$91,205
baseline
▲ 0.50% · 4.625%
HK$96,012
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,410/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,003
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,114
−HK$3,160/mo
Today · 4.125%
HK$106,274
baseline
▲ 0.50% · 4.625%
HK$112,741
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,548/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,252
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,236
−HK$3,027/mo
Today · 4.125%
HK$117,263
baseline
▲ 0.50% · 4.625%
HK$123,444
+HK$6,181/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,526/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,491 · Scale 2, in force from 26 Feb 2026)