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$55,846
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,583
−HK$1,765/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,959
+HK$3,611/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,128
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,795
−HK$1,690/mo
Today · 4.125%
HK$65,485
baseline
▲ 0.50% · 4.625%
HK$68,937
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,970/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,015
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,100
−HK$2,118/mo
Today · 4.125%
HK$71,218
baseline
▲ 0.50% · 4.625%
HK$75,551
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,436/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,554
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,553
−HK$2,029/mo
Today · 4.125%
HK$78,582
baseline
▲ 0.50% · 4.625%
HK$82,724
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,164/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,185
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,617
−HK$2,470/mo
Today · 4.125%
HK$83,087
baseline
▲ 0.50% · 4.625%
HK$88,143
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,174/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,980
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,312
−HK$2,367/mo
Today · 4.125%
HK$91,679
baseline
▲ 0.50% · 4.625%
HK$96,511
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,358/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,523
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,650
−HK$3,177/mo
Today · 4.125%
HK$106,827
baseline
▲ 0.50% · 4.625%
HK$113,327
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,654/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,831
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,830
−HK$3,043/mo
Today · 4.125%
HK$117,873
baseline
▲ 0.50% · 4.625%
HK$124,086
+HK$6,213/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,746/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,875 · Scale 2, in force from 26 Feb 2026)