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$55,875
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,613
−HK$1,766/mo
Today · 4.125%
HK$59,379
baseline
▲ 0.50% · 4.625%
HK$62,992
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,758/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,160
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,827
−HK$1,692/mo
Today · 4.125%
HK$65,519
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,038/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,050
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,135
−HK$2,119/mo
Today · 4.125%
HK$71,254
baseline
▲ 0.50% · 4.625%
HK$75,590
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,508/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,592
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,593
−HK$2,029/mo
Today · 4.125%
HK$78,622
baseline
▲ 0.50% · 4.625%
HK$82,767
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,244/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,225
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,658
−HK$2,472/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$88,188
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,024
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,358
−HK$2,368/mo
Today · 4.125%
HK$91,726
baseline
▲ 0.50% · 4.625%
HK$96,561
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,452/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,575
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,703
−HK$3,179/mo
Today · 4.125%
HK$106,882
baseline
▲ 0.50% · 4.625%
HK$113,385
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,764/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,888
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,889
−HK$3,044/mo
Today · 4.125%
HK$117,933
baseline
▲ 0.50% · 4.625%
HK$124,150
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,866/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,410 · Scale 2, in force from 26 Feb 2026)