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$55,661
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,759/mo
Today · 4.125%
HK$59,151
baseline
▲ 0.50% · 4.625%
HK$62,751
+HK$3,600/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,302/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,922
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,583
−HK$1,685/mo
Today · 4.125%
HK$65,268
baseline
▲ 0.50% · 4.625%
HK$68,708
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,536/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$2,111/mo
Today · 4.125%
HK$70,982
baseline
▲ 0.50% · 4.625%
HK$75,301
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,964/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,307
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,300
−HK$2,021/mo
Today · 4.125%
HK$78,321
baseline
▲ 0.50% · 4.625%
HK$82,450
+HK$4,129/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,642/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,925
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,463/mo
Today · 4.125%
HK$82,812
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,624/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,691
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,016
−HK$2,359/mo
Today · 4.125%
HK$91,375
baseline
▲ 0.50% · 4.625%
HK$96,191
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,750/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,190
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,306
−HK$3,167/mo
Today · 4.125%
HK$106,473
baseline
▲ 0.50% · 4.625%
HK$112,951
+HK$6,478/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,946/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,460
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,449
−HK$3,033/mo
Today · 4.125%
HK$117,482
baseline
▲ 0.50% · 4.625%
HK$123,675
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,964/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,424 · Scale 2, in force from 26 Feb 2026)