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$55,566
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,295
−HK$1,756/mo
Today · 4.125%
HK$59,051
baseline
▲ 0.50% · 4.625%
HK$62,644
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,102/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,817
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,475
−HK$1,682/mo
Today · 4.125%
HK$65,157
baseline
▲ 0.50% · 4.625%
HK$68,591
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,314/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,680
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,754
−HK$2,107/mo
Today · 4.125%
HK$70,861
baseline
▲ 0.50% · 4.625%
HK$75,173
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,722/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,180
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,170
−HK$2,018/mo
Today · 4.125%
HK$78,188
baseline
▲ 0.50% · 4.625%
HK$82,310
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,376/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,793
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,213
−HK$2,458/mo
Today · 4.125%
HK$82,671
baseline
▲ 0.50% · 4.625%
HK$87,702
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,342/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,544
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,865
−HK$2,355/mo
Today · 4.125%
HK$91,220
baseline
▲ 0.50% · 4.625%
HK$96,028
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,440/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,020
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,131
−HK$3,161/mo
Today · 4.125%
HK$106,292
baseline
▲ 0.50% · 4.625%
HK$112,759
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,584/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,271
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,255
−HK$3,027/mo
Today · 4.125%
HK$117,282
baseline
▲ 0.50% · 4.625%
HK$123,464
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,564/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,661 · Scale 2, in force from 26 Feb 2026)