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$56,561
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,787/mo
Today · 4.125%
HK$60,108
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,658/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,216/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,924
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,611
−HK$1,712/mo
Today · 4.125%
HK$66,323
baseline
▲ 0.50% · 4.625%
HK$69,819
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,646/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,873
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,985
−HK$2,145/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$76,519
+HK$4,389/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,534
−HK$2,054/mo
Today · 4.125%
HK$79,588
baseline
▲ 0.50% · 4.625%
HK$83,783
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,176/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,186
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,649
−HK$2,502/mo
Today · 4.125%
HK$84,151
baseline
▲ 0.50% · 4.625%
HK$89,272
+HK$5,121/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,302/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,093
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,456
−HK$2,397/mo
Today · 4.125%
HK$92,853
baseline
▲ 0.50% · 4.625%
HK$97,747
+HK$4,894/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,706/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,810
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,977
−HK$3,218/mo
Today · 4.125%
HK$108,195
baseline
▲ 0.50% · 4.625%
HK$114,778
+HK$6,583/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,390/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,263
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,300
−HK$3,082/mo
Today · 4.125%
HK$119,382
baseline
▲ 0.50% · 4.625%
HK$125,675
+HK$6,293/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,764/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,054,203 · Scale 2, in force from 26 Feb 2026)