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$55,596
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,325
−HK$1,757/mo
Today · 4.125%
HK$59,082
baseline
▲ 0.50% · 4.625%
HK$62,677
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,164/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,850
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,509
−HK$1,683/mo
Today · 4.125%
HK$65,192
baseline
▲ 0.50% · 4.625%
HK$68,628
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,384/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,715
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,790
−HK$2,109/mo
Today · 4.125%
HK$70,899
baseline
▲ 0.50% · 4.625%
HK$75,213
+HK$4,314/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,798/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,220
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,210
−HK$2,020/mo
Today · 4.125%
HK$78,230
baseline
▲ 0.50% · 4.625%
HK$82,353
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,460/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,834
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,255
−HK$2,460/mo
Today · 4.125%
HK$82,715
baseline
▲ 0.50% · 4.625%
HK$87,748
+HK$5,033/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,430/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,590
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,912
−HK$2,356/mo
Today · 4.125%
HK$91,268
baseline
▲ 0.50% · 4.625%
HK$96,079
+HK$4,811/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,536/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,073
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,186
−HK$3,162/mo
Today · 4.125%
HK$106,348
baseline
▲ 0.50% · 4.625%
HK$112,819
+HK$6,471/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,696/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,330
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,316
−HK$3,029/mo
Today · 4.125%
HK$117,345
baseline
▲ 0.50% · 4.625%
HK$123,530
+HK$6,185/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,690/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,212 · Scale 2, in force from 26 Feb 2026)