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$55,584
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,313
−HK$1,756/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,663
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,682/mo
Today · 4.125%
HK$65,177
baseline
▲ 0.50% · 4.625%
HK$68,613
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,354/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,700
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,775
−HK$2,108/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$75,196
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,203
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,193
−HK$2,019/mo
Today · 4.125%
HK$78,212
baseline
▲ 0.50% · 4.625%
HK$82,335
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,424/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,817
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,238
−HK$2,459/mo
Today · 4.125%
HK$82,697
baseline
▲ 0.50% · 4.625%
HK$87,729
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,394/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,571
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,892
−HK$2,356/mo
Today · 4.125%
HK$91,248
baseline
▲ 0.50% · 4.625%
HK$96,058
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,496/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,050
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,163
−HK$3,161/mo
Today · 4.125%
HK$106,324
baseline
▲ 0.50% · 4.625%
HK$112,794
+HK$6,470/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,648/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,305
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,290
−HK$3,029/mo
Today · 4.125%
HK$117,319
baseline
▲ 0.50% · 4.625%
HK$123,503
+HK$6,184/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,638/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,981 · Scale 2, in force from 26 Feb 2026)