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$55,669
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,401
−HK$1,759/mo
Today · 4.125%
HK$59,160
baseline
▲ 0.50% · 4.625%
HK$62,760
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,320/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,931
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,592
−HK$1,685/mo
Today · 4.125%
HK$65,277
baseline
▲ 0.50% · 4.625%
HK$68,718
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,554/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,803
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,881
−HK$2,111/mo
Today · 4.125%
HK$70,992
baseline
▲ 0.50% · 4.625%
HK$75,312
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,984/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,318
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,311
−HK$2,022/mo
Today · 4.125%
HK$78,333
baseline
▲ 0.50% · 4.625%
HK$82,462
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,666/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,937
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,361
−HK$2,463/mo
Today · 4.125%
HK$82,824
baseline
▲ 0.50% · 4.625%
HK$87,864
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,648/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,704
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,029
−HK$2,359/mo
Today · 4.125%
HK$91,388
baseline
▲ 0.50% · 4.625%
HK$96,205
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,776/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,204
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,321
−HK$3,167/mo
Today · 4.125%
HK$106,488
baseline
▲ 0.50% · 4.625%
HK$112,968
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,976/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,476
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,466
−HK$3,033/mo
Today · 4.125%
HK$117,499
baseline
▲ 0.50% · 4.625%
HK$123,693
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,998/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,575 · Scale 2, in force from 26 Feb 2026)