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$55,878
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,617
−HK$1,765/mo
Today · 4.125%
HK$59,382
baseline
▲ 0.50% · 4.625%
HK$62,996
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,764/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,164
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,692/mo
Today · 4.125%
HK$65,523
baseline
▲ 0.50% · 4.625%
HK$68,977
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,046/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,054
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,140
−HK$2,119/mo
Today · 4.125%
HK$71,259
baseline
▲ 0.50% · 4.625%
HK$75,595
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,518/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,597
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,598
−HK$2,029/mo
Today · 4.125%
HK$78,627
baseline
▲ 0.50% · 4.625%
HK$82,772
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,254/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,230
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,663
−HK$2,472/mo
Today · 4.125%
HK$83,135
baseline
▲ 0.50% · 4.625%
HK$88,194
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,270/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,030
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,364
−HK$2,368/mo
Today · 4.125%
HK$91,732
baseline
▲ 0.50% · 4.625%
HK$96,567
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,464/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,581
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,710
−HK$3,178/mo
Today · 4.125%
HK$106,888
baseline
▲ 0.50% · 4.625%
HK$113,392
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,776/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,896
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,896
−HK$3,045/mo
Today · 4.125%
HK$117,941
baseline
▲ 0.50% · 4.625%
HK$124,158
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,882/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,477 · Scale 2, in force from 26 Feb 2026)