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$55,844
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,581
−HK$1,765/mo
Today · 4.125%
HK$59,346
baseline
▲ 0.50% · 4.625%
HK$62,957
+HK$3,611/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,692/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,126
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,792
−HK$1,690/mo
Today · 4.125%
HK$65,482
baseline
▲ 0.50% · 4.625%
HK$68,934
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,964/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,012
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,097
−HK$2,118/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$75,548
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,551
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,550
−HK$2,028/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$82,720
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,181
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,613
−HK$2,471/mo
Today · 4.125%
HK$83,084
baseline
▲ 0.50% · 4.625%
HK$88,139
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,168/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,976
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,308
−HK$2,367/mo
Today · 4.125%
HK$91,675
baseline
▲ 0.50% · 4.625%
HK$96,507
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,350/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,519
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,645
−HK$3,177/mo
Today · 4.125%
HK$106,822
baseline
▲ 0.50% · 4.625%
HK$113,322
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,644/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,826
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,825
−HK$3,043/mo
Today · 4.125%
HK$117,868
baseline
▲ 0.50% · 4.625%
HK$124,081
+HK$6,213/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,736/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,829 · Scale 2, in force from 26 Feb 2026)