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$55,613
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,343
−HK$1,758/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,697
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,869
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,683/mo
Today · 4.125%
HK$65,212
baseline
▲ 0.50% · 4.625%
HK$68,649
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,424/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,736
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,812
−HK$2,109/mo
Today · 4.125%
HK$70,921
baseline
▲ 0.50% · 4.625%
HK$75,236
+HK$4,315/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$141,842/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,243
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,234
−HK$2,020/mo
Today · 4.125%
HK$78,254
baseline
▲ 0.50% · 4.625%
HK$82,379
+HK$4,125/mo
Deposit HK$9.76M · loan HK$14.63M · min. income ≈ HK$156,508/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,859
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,281
−HK$2,460/mo
Today · 4.125%
HK$82,741
baseline
▲ 0.50% · 4.625%
HK$87,776
+HK$5,035/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,482/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,617
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,940
−HK$2,357/mo
Today · 4.125%
HK$91,297
baseline
▲ 0.50% · 4.625%
HK$96,109
+HK$4,812/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,594/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,104
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,218
−HK$3,163/mo
Today · 4.125%
HK$106,381
baseline
▲ 0.50% · 4.625%
HK$112,854
+HK$6,473/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,762/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,365
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,351
−HK$3,030/mo
Today · 4.125%
HK$117,381
baseline
▲ 0.50% · 4.625%
HK$123,569
+HK$6,188/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,762/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,536 · Scale 2, in force from 26 Feb 2026)