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$55,670
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,402
−HK$1,759/mo
Today · 4.125%
HK$59,161
baseline
▲ 0.50% · 4.625%
HK$62,761
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,322/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,932
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,593
−HK$1,685/mo
Today · 4.125%
HK$65,278
baseline
▲ 0.50% · 4.625%
HK$68,719
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,556/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,804
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,882
−HK$2,111/mo
Today · 4.125%
HK$70,993
baseline
▲ 0.50% · 4.625%
HK$75,313
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,986/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,319
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,312
−HK$2,022/mo
Today · 4.125%
HK$78,334
baseline
▲ 0.50% · 4.625%
HK$82,463
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,668/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,938
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,362
−HK$2,463/mo
Today · 4.125%
HK$82,825
baseline
▲ 0.50% · 4.625%
HK$87,865
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,650/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,705
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,031
−HK$2,359/mo
Today · 4.125%
HK$91,390
baseline
▲ 0.50% · 4.625%
HK$96,207
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,780/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,206
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,323
−HK$3,167/mo
Today · 4.125%
HK$106,490
baseline
▲ 0.50% · 4.625%
HK$112,970
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,980/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,478
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,468
−HK$3,033/mo
Today · 4.125%
HK$117,501
baseline
▲ 0.50% · 4.625%
HK$123,695
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,002/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,593 · Scale 2, in force from 26 Feb 2026)