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$55,877
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,615
−HK$1,766/mo
Today · 4.125%
HK$59,381
baseline
▲ 0.50% · 4.625%
HK$62,994
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,762/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,163
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,830
−HK$1,691/mo
Today · 4.125%
HK$65,521
baseline
▲ 0.50% · 4.625%
HK$68,975
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,042/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,052
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,138
−HK$2,119/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,593
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,595
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,596
−HK$2,029/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$82,770
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,228
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,661
−HK$2,472/mo
Today · 4.125%
HK$83,133
baseline
▲ 0.50% · 4.625%
HK$88,192
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,266/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,028
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,362
−HK$2,368/mo
Today · 4.125%
HK$91,730
baseline
▲ 0.50% · 4.625%
HK$96,565
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,460/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,579
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,707
−HK$3,179/mo
Today · 4.125%
HK$106,886
baseline
▲ 0.50% · 4.625%
HK$113,390
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,772/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,893
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,894
−HK$3,044/mo
Today · 4.125%
HK$117,938
baseline
▲ 0.50% · 4.625%
HK$124,155
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,876/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,451 · Scale 2, in force from 26 Feb 2026)