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$55,887
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,625
−HK$1,766/mo
Today · 4.125%
HK$59,391
baseline
▲ 0.50% · 4.625%
HK$63,005
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,782/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,174
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,841
−HK$1,692/mo
Today · 4.125%
HK$65,533
baseline
▲ 0.50% · 4.625%
HK$68,987
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,066/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,064
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,150
−HK$2,120/mo
Today · 4.125%
HK$71,270
baseline
▲ 0.50% · 4.625%
HK$75,606
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,540/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,608
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,609
−HK$2,030/mo
Today · 4.125%
HK$78,639
baseline
▲ 0.50% · 4.625%
HK$82,784
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,278/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,242
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,675
−HK$2,473/mo
Today · 4.125%
HK$83,148
baseline
▲ 0.50% · 4.625%
HK$88,207
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,296/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,043
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,377
−HK$2,369/mo
Today · 4.125%
HK$91,746
baseline
▲ 0.50% · 4.625%
HK$96,582
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,492/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,596
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,725
−HK$3,180/mo
Today · 4.125%
HK$106,905
baseline
▲ 0.50% · 4.625%
HK$113,409
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,810/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,912
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,914
−HK$3,045/mo
Today · 4.125%
HK$117,959
baseline
▲ 0.50% · 4.625%
HK$124,176
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,918/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,634 · Scale 2, in force from 26 Feb 2026)