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$55,554
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,282
−HK$1,755/mo
Today · 4.125%
HK$59,037
baseline
▲ 0.50% · 4.625%
HK$62,630
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,074/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,803
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,461
−HK$1,681/mo
Today · 4.125%
HK$65,142
baseline
▲ 0.50% · 4.625%
HK$68,576
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,284/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,665
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,738
−HK$2,107/mo
Today · 4.125%
HK$70,845
baseline
▲ 0.50% · 4.625%
HK$75,156
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,690/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,164
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,153
−HK$2,017/mo
Today · 4.125%
HK$78,170
baseline
▲ 0.50% · 4.625%
HK$82,291
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,340/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,775
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,195
−HK$2,457/mo
Today · 4.125%
HK$82,652
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$5,030/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,304/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,524
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,845
−HK$2,354/mo
Today · 4.125%
HK$91,199
baseline
▲ 0.50% · 4.625%
HK$96,006
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,398/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,997
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,107
−HK$3,160/mo
Today · 4.125%
HK$106,267
baseline
▲ 0.50% · 4.625%
HK$112,734
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,534/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,245
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,229
−HK$3,027/mo
Today · 4.125%
HK$117,256
baseline
▲ 0.50% · 4.625%
HK$123,436
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,512/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,426 · Scale 2, in force from 26 Feb 2026)