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$55,654
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,385
−HK$1,759/mo
Today · 4.125%
HK$59,144
baseline
▲ 0.50% · 4.625%
HK$62,742
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,288/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,914
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,575
−HK$1,684/mo
Today · 4.125%
HK$65,259
baseline
▲ 0.50% · 4.625%
HK$68,699
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,518/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,784
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,862
−HK$2,110/mo
Today · 4.125%
HK$70,972
baseline
▲ 0.50% · 4.625%
HK$75,291
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,944/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,297
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,289
−HK$2,022/mo
Today · 4.125%
HK$78,311
baseline
▲ 0.50% · 4.625%
HK$82,439
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,622/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,915
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,339
−HK$2,462/mo
Today · 4.125%
HK$82,801
baseline
▲ 0.50% · 4.625%
HK$87,839
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,602/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,680
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,004
−HK$2,359/mo
Today · 4.125%
HK$91,363
baseline
▲ 0.50% · 4.625%
HK$96,179
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,726/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,176
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,293
−HK$3,165/mo
Today · 4.125%
HK$106,458
baseline
▲ 0.50% · 4.625%
HK$112,936
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,916/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,445
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,434
−HK$3,032/mo
Today · 4.125%
HK$117,466
baseline
▲ 0.50% · 4.625%
HK$123,658
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,932/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,286 · Scale 2, in force from 26 Feb 2026)