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$55,571
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,300
−HK$1,756/mo
Today · 4.125%
HK$59,056
baseline
▲ 0.50% · 4.625%
HK$62,649
+HK$3,593/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,112/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,822
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,480
−HK$1,682/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$68,597
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,760
−HK$2,107/mo
Today · 4.125%
HK$70,867
baseline
▲ 0.50% · 4.625%
HK$75,179
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,734/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,187
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,176
−HK$2,019/mo
Today · 4.125%
HK$78,195
baseline
▲ 0.50% · 4.625%
HK$82,317
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,390/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,800
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,220
−HK$2,458/mo
Today · 4.125%
HK$82,678
baseline
▲ 0.50% · 4.625%
HK$87,709
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,356/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,551
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,873
−HK$2,354/mo
Today · 4.125%
HK$91,227
baseline
▲ 0.50% · 4.625%
HK$96,036
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,454/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,028
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,140
−HK$3,161/mo
Today · 4.125%
HK$106,301
baseline
▲ 0.50% · 4.625%
HK$112,769
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,602/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,280
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,265
−HK$3,027/mo
Today · 4.125%
HK$117,292
baseline
▲ 0.50% · 4.625%
HK$123,475
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,584/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,750 · Scale 2, in force from 26 Feb 2026)