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$55,592
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,321
−HK$1,757/mo
Today · 4.125%
HK$59,078
baseline
▲ 0.50% · 4.625%
HK$62,673
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,156/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,845
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,504
−HK$1,683/mo
Today · 4.125%
HK$65,187
baseline
▲ 0.50% · 4.625%
HK$68,623
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,374/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,710
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,785
−HK$2,109/mo
Today · 4.125%
HK$70,894
baseline
▲ 0.50% · 4.625%
HK$75,207
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,788/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,215
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,205
−HK$2,019/mo
Today · 4.125%
HK$78,224
baseline
▲ 0.50% · 4.625%
HK$82,347
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,448/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,829
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,250
−HK$2,459/mo
Today · 4.125%
HK$82,709
baseline
▲ 0.50% · 4.625%
HK$87,742
+HK$5,033/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,418/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,584
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,906
−HK$2,356/mo
Today · 4.125%
HK$91,262
baseline
▲ 0.50% · 4.625%
HK$96,072
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,524/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,066
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,178
−HK$3,162/mo
Today · 4.125%
HK$106,340
baseline
▲ 0.50% · 4.625%
HK$112,811
+HK$6,471/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,680/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,322
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,307
−HK$3,029/mo
Today · 4.125%
HK$117,336
baseline
▲ 0.50% · 4.625%
HK$123,521
+HK$6,185/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,672/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,137 · Scale 2, in force from 26 Feb 2026)