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$55,764
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,498
−HK$1,762/mo
Today · 4.125%
HK$59,260
baseline
▲ 0.50% · 4.625%
HK$62,866
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,520/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,036
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,700
−HK$1,688/mo
Today · 4.125%
HK$65,388
baseline
▲ 0.50% · 4.625%
HK$68,835
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,776/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,916
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,998
−HK$2,114/mo
Today · 4.125%
HK$71,112
baseline
▲ 0.50% · 4.625%
HK$75,439
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,224/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,444
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,440
−HK$2,026/mo
Today · 4.125%
HK$78,466
baseline
▲ 0.50% · 4.625%
HK$82,602
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,932/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,069
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,497
−HK$2,468/mo
Today · 4.125%
HK$82,965
baseline
▲ 0.50% · 4.625%
HK$88,013
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,930/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,851
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,180
−HK$2,363/mo
Today · 4.125%
HK$91,543
baseline
▲ 0.50% · 4.625%
HK$96,369
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,086/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,374
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,497
−HK$3,172/mo
Today · 4.125%
HK$106,669
baseline
▲ 0.50% · 4.625%
HK$113,159
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,338/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,665
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,660
−HK$3,038/mo
Today · 4.125%
HK$117,698
baseline
▲ 0.50% · 4.625%
HK$123,902
+HK$6,204/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,396/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,335 · Scale 2, in force from 26 Feb 2026)