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$55,883
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,621
−HK$1,766/mo
Today · 4.125%
HK$59,387
baseline
▲ 0.50% · 4.625%
HK$63,001
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,774/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,169
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,836
−HK$1,692/mo
Today · 4.125%
HK$65,528
baseline
▲ 0.50% · 4.625%
HK$68,982
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,056/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,059
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,145
−HK$2,120/mo
Today · 4.125%
HK$71,265
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,530/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,603
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,604
−HK$2,029/mo
Today · 4.125%
HK$78,633
baseline
▲ 0.50% · 4.625%
HK$82,778
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,266/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,236
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,669
−HK$2,473/mo
Today · 4.125%
HK$83,142
baseline
▲ 0.50% · 4.625%
HK$88,201
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,284/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,037
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,371
−HK$2,368/mo
Today · 4.125%
HK$91,739
baseline
▲ 0.50% · 4.625%
HK$96,575
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,478/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,589
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,718
−HK$3,179/mo
Today · 4.125%
HK$106,897
baseline
▲ 0.50% · 4.625%
HK$113,401
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,794/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,904
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,905
−HK$3,045/mo
Today · 4.125%
HK$117,950
baseline
▲ 0.50% · 4.625%
HK$124,167
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,900/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,558 · Scale 2, in force from 26 Feb 2026)