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$55,657
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,388
−HK$1,759/mo
Today · 4.125%
HK$59,147
baseline
▲ 0.50% · 4.625%
HK$62,746
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,294/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,918
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,684/mo
Today · 4.125%
HK$65,263
baseline
▲ 0.50% · 4.625%
HK$68,703
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,526/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,789
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,866
−HK$2,111/mo
Today · 4.125%
HK$70,977
baseline
▲ 0.50% · 4.625%
HK$75,296
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,954/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,302
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,294
−HK$2,022/mo
Today · 4.125%
HK$78,316
baseline
▲ 0.50% · 4.625%
HK$82,444
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,632/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,920
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,344
−HK$2,462/mo
Today · 4.125%
HK$82,806
baseline
▲ 0.50% · 4.625%
HK$87,845
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,612/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,685
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,010
−HK$2,359/mo
Today · 4.125%
HK$91,369
baseline
▲ 0.50% · 4.625%
HK$96,185
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,738/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,183
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,299
−HK$3,166/mo
Today · 4.125%
HK$106,465
baseline
▲ 0.50% · 4.625%
HK$112,944
+HK$6,479/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,930/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,453
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,442
−HK$3,032/mo
Today · 4.125%
HK$117,474
baseline
▲ 0.50% · 4.625%
HK$123,666
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,948/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,354 · Scale 2, in force from 26 Feb 2026)