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$55,621
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,352
−HK$1,757/mo
Today · 4.125%
HK$59,109
baseline
▲ 0.50% · 4.625%
HK$62,706
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,218/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,538
−HK$1,683/mo
Today · 4.125%
HK$65,221
baseline
▲ 0.50% · 4.625%
HK$68,659
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,442/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,746
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,822
−HK$2,109/mo
Today · 4.125%
HK$70,931
baseline
▲ 0.50% · 4.625%
HK$75,247
+HK$4,316/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,862/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,254
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,245
−HK$2,021/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$82,391
+HK$4,125/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,532/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,870
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,292
−HK$2,461/mo
Today · 4.125%
HK$82,753
baseline
▲ 0.50% · 4.625%
HK$87,789
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,506/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,630
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,953
−HK$2,357/mo
Today · 4.125%
HK$91,310
baseline
▲ 0.50% · 4.625%
HK$96,123
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,620/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,119
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,233
−HK$3,164/mo
Today · 4.125%
HK$106,397
baseline
▲ 0.50% · 4.625%
HK$112,871
+HK$6,474/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,794/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,381
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,368
−HK$3,031/mo
Today · 4.125%
HK$117,399
baseline
▲ 0.50% · 4.625%
HK$123,587
+HK$6,188/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,798/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,688 · Scale 2, in force from 26 Feb 2026)