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$55,543
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,271
−HK$1,755/mo
Today · 4.125%
HK$59,026
baseline
▲ 0.50% · 4.625%
HK$62,618
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,052/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,792
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,449
−HK$1,681/mo
Today · 4.125%
HK$65,130
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,260/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,652
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,725
−HK$2,107/mo
Today · 4.125%
HK$70,832
baseline
▲ 0.50% · 4.625%
HK$75,142
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,664/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,150
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,138
−HK$2,018/mo
Today · 4.125%
HK$78,156
baseline
▲ 0.50% · 4.625%
HK$82,276
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,312/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,761
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,180
−HK$2,457/mo
Today · 4.125%
HK$82,637
baseline
▲ 0.50% · 4.625%
HK$87,665
+HK$5,028/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,274/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,508
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,828
−HK$2,354/mo
Today · 4.125%
HK$91,182
baseline
▲ 0.50% · 4.625%
HK$95,988
+HK$4,806/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,364/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,978
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,088
−HK$3,160/mo
Today · 4.125%
HK$106,248
baseline
▲ 0.50% · 4.625%
HK$112,713
+HK$6,465/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,496/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,225
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,208
−HK$3,026/mo
Today · 4.125%
HK$117,234
baseline
▲ 0.50% · 4.625%
HK$123,413
+HK$6,179/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,468/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,233 · Scale 2, in force from 26 Feb 2026)