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$55,888
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,626
−HK$1,766/mo
Today · 4.125%
HK$59,392
baseline
▲ 0.50% · 4.625%
HK$63,006
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,784/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,174
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,842
−HK$1,692/mo
Today · 4.125%
HK$65,534
baseline
▲ 0.50% · 4.625%
HK$68,988
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,068/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,065
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$2,120/mo
Today · 4.125%
HK$71,271
baseline
▲ 0.50% · 4.625%
HK$75,607
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,542/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,610
−HK$2,030/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,243
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,676
−HK$2,473/mo
Today · 4.125%
HK$83,149
baseline
▲ 0.50% · 4.625%
HK$88,209
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,298/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,044
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,379
−HK$2,368/mo
Today · 4.125%
HK$91,747
baseline
▲ 0.50% · 4.625%
HK$96,583
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,494/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,598
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,727
−HK$3,179/mo
Today · 4.125%
HK$106,906
baseline
▲ 0.50% · 4.625%
HK$113,411
+HK$6,505/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,812/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,914
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,915
−HK$3,045/mo
Today · 4.125%
HK$117,960
baseline
▲ 0.50% · 4.625%
HK$124,178
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,920/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,648 · Scale 2, in force from 26 Feb 2026)