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$55,551
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,756/mo
Today · 4.125%
HK$59,034
baseline
▲ 0.50% · 4.625%
HK$62,626
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,068/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,799
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,457
−HK$1,681/mo
Today · 4.125%
HK$65,138
baseline
▲ 0.50% · 4.625%
HK$68,572
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,276/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,661
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,734
−HK$2,107/mo
Today · 4.125%
HK$70,841
baseline
▲ 0.50% · 4.625%
HK$75,151
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,682/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,159
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,148
−HK$2,018/mo
Today · 4.125%
HK$78,166
baseline
▲ 0.50% · 4.625%
HK$82,286
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,332/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,771
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,190
−HK$2,458/mo
Today · 4.125%
HK$82,648
baseline
▲ 0.50% · 4.625%
HK$87,677
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,296/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,519
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,840
−HK$2,354/mo
Today · 4.125%
HK$91,194
baseline
▲ 0.50% · 4.625%
HK$96,001
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,388/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,991
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,101
−HK$3,160/mo
Today · 4.125%
HK$106,261
baseline
▲ 0.50% · 4.625%
HK$112,727
+HK$6,466/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,522/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,239
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,222
−HK$3,027/mo
Today · 4.125%
HK$117,249
baseline
▲ 0.50% · 4.625%
HK$123,429
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,498/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,366 · Scale 2, in force from 26 Feb 2026)