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$56,563
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,322
−HK$1,788/mo
Today · 4.125%
HK$60,110
baseline
▲ 0.50% · 4.625%
HK$63,767
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,220/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,926
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,613
−HK$1,712/mo
Today · 4.125%
HK$66,325
baseline
▲ 0.50% · 4.625%
HK$69,821
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,650/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,875
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,987
−HK$2,145/mo
Today · 4.125%
HK$72,132
baseline
▲ 0.50% · 4.625%
HK$76,521
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,264/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,511
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,536
−HK$2,054/mo
Today · 4.125%
HK$79,590
baseline
▲ 0.50% · 4.625%
HK$83,786
+HK$4,196/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,180/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,188
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,651
−HK$2,503/mo
Today · 4.125%
HK$84,154
baseline
▲ 0.50% · 4.625%
HK$89,274
+HK$5,120/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,308/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,096
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,458
−HK$2,397/mo
Today · 4.125%
HK$92,855
baseline
▲ 0.50% · 4.625%
HK$97,750
+HK$4,895/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,710/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,813
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,980
−HK$3,218/mo
Today · 4.125%
HK$108,198
baseline
▲ 0.50% · 4.625%
HK$114,781
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,396/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,266
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,304
−HK$3,081/mo
Today · 4.125%
HK$119,385
baseline
▲ 0.50% · 4.625%
HK$125,678
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,770/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,232 · Scale 2, in force from 26 Feb 2026)