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$55,560
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,288
−HK$1,756/mo
Today · 4.125%
HK$59,044
baseline
▲ 0.50% · 4.625%
HK$62,636
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,088/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,810
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,467
−HK$1,682/mo
Today · 4.125%
HK$65,149
baseline
▲ 0.50% · 4.625%
HK$68,583
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,298/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$2,107/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$75,164
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,172
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,161
−HK$2,018/mo
Today · 4.125%
HK$78,179
baseline
▲ 0.50% · 4.625%
HK$82,300
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,358/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,784
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,203
−HK$2,458/mo
Today · 4.125%
HK$82,661
baseline
▲ 0.50% · 4.625%
HK$87,691
+HK$5,030/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,322/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,533
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,854
−HK$2,355/mo
Today · 4.125%
HK$91,209
baseline
▲ 0.50% · 4.625%
HK$96,016
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,418/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,008
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,118
−HK$3,161/mo
Today · 4.125%
HK$106,279
baseline
▲ 0.50% · 4.625%
HK$112,746
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,558/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,257
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,241
−HK$3,027/mo
Today · 4.125%
HK$117,268
baseline
▲ 0.50% · 4.625%
HK$123,450
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,536/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,537 · Scale 2, in force from 26 Feb 2026)