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$55,546
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,274
−HK$1,756/mo
Today · 4.125%
HK$59,030
baseline
▲ 0.50% · 4.625%
HK$62,622
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,060/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,795
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,452
−HK$1,682/mo
Today · 4.125%
HK$65,134
baseline
▲ 0.50% · 4.625%
HK$68,567
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,268/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,656
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,729
−HK$2,107/mo
Today · 4.125%
HK$70,836
baseline
▲ 0.50% · 4.625%
HK$75,146
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,672/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,154
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,143
−HK$2,017/mo
Today · 4.125%
HK$78,160
baseline
▲ 0.50% · 4.625%
HK$82,280
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,320/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,765
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,184
−HK$2,458/mo
Today · 4.125%
HK$82,642
baseline
▲ 0.50% · 4.625%
HK$87,670
+HK$5,028/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,284/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,513
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,833
−HK$2,354/mo
Today · 4.125%
HK$91,187
baseline
▲ 0.50% · 4.625%
HK$95,993
+HK$4,806/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,374/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,984
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,094
−HK$3,160/mo
Today · 4.125%
HK$106,254
baseline
▲ 0.50% · 4.625%
HK$112,719
+HK$6,465/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,508/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,231
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,214
−HK$3,026/mo
Today · 4.125%
HK$117,240
baseline
▲ 0.50% · 4.625%
HK$123,420
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,480/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,290 · Scale 2, in force from 26 Feb 2026)