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$55,758
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,763/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,860
+HK$3,605/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,694
−HK$1,688/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$68,828
+HK$3,446/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,910
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,991
−HK$2,114/mo
Today · 4.125%
HK$71,105
baseline
▲ 0.50% · 4.625%
HK$75,432
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,210/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,436
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,433
−HK$2,025/mo
Today · 4.125%
HK$78,458
baseline
▲ 0.50% · 4.625%
HK$82,594
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,916/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,061
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,489
−HK$2,467/mo
Today · 4.125%
HK$82,956
baseline
▲ 0.50% · 4.625%
HK$88,004
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,912/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,842
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,171
−HK$2,363/mo
Today · 4.125%
HK$91,534
baseline
▲ 0.50% · 4.625%
HK$96,359
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,068/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,364
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,486
−HK$3,172/mo
Today · 4.125%
HK$106,658
baseline
▲ 0.50% · 4.625%
HK$113,148
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,316/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,654
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,649
−HK$3,038/mo
Today · 4.125%
HK$117,687
baseline
▲ 0.50% · 4.625%
HK$123,890
+HK$6,203/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,374/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,233 · Scale 2, in force from 26 Feb 2026)