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$55,878
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,616
−HK$1,766/mo
Today · 4.125%
HK$59,382
baseline
▲ 0.50% · 4.625%
HK$62,995
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,764/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,163
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,691/mo
Today · 4.125%
HK$65,522
baseline
▲ 0.50% · 4.625%
HK$68,976
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,044/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,053
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,139
−HK$2,119/mo
Today · 4.125%
HK$71,258
baseline
▲ 0.50% · 4.625%
HK$75,594
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,516/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,596
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,597
−HK$2,029/mo
Today · 4.125%
HK$78,626
baseline
▲ 0.50% · 4.625%
HK$82,771
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,252/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,229
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,662
−HK$2,472/mo
Today · 4.125%
HK$83,134
baseline
▲ 0.50% · 4.625%
HK$88,193
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,268/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,029
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,363
−HK$2,368/mo
Today · 4.125%
HK$91,731
baseline
▲ 0.50% · 4.625%
HK$96,566
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,462/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,580
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,708
−HK$3,179/mo
Today · 4.125%
HK$106,887
baseline
▲ 0.50% · 4.625%
HK$113,391
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,774/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,894
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,895
−HK$3,044/mo
Today · 4.125%
HK$117,939
baseline
▲ 0.50% · 4.625%
HK$124,156
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,878/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,464 · Scale 2, in force from 26 Feb 2026)