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$55,635
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,366
−HK$1,758/mo
Today · 4.125%
HK$59,124
baseline
▲ 0.50% · 4.625%
HK$62,721
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,248/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,893
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,553
−HK$1,684/mo
Today · 4.125%
HK$65,237
baseline
▲ 0.50% · 4.625%
HK$68,676
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,474/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,762
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,839
−HK$2,110/mo
Today · 4.125%
HK$70,949
baseline
▲ 0.50% · 4.625%
HK$75,266
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,898/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,272
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,264
−HK$2,021/mo
Today · 4.125%
HK$78,285
baseline
▲ 0.50% · 4.625%
HK$82,411
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,570/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,889
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,312
−HK$2,461/mo
Today · 4.125%
HK$82,773
baseline
▲ 0.50% · 4.625%
HK$87,810
+HK$5,037/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,546/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,651
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,975
−HK$2,357/mo
Today · 4.125%
HK$91,332
baseline
▲ 0.50% · 4.625%
HK$96,146
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,664/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,143
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,258
−HK$3,165/mo
Today · 4.125%
HK$106,423
baseline
▲ 0.50% · 4.625%
HK$112,898
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,846/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,408
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,396
−HK$3,031/mo
Today · 4.125%
HK$117,427
baseline
▲ 0.50% · 4.625%
HK$123,617
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,854/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,939 · Scale 2, in force from 26 Feb 2026)