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$55,648
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,379
−HK$1,758/mo
Today · 4.125%
HK$59,137
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,274/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,907
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,568
−HK$1,684/mo
Today · 4.125%
HK$65,252
baseline
▲ 0.50% · 4.625%
HK$68,692
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,504/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,777
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,854
−HK$2,111/mo
Today · 4.125%
HK$70,965
baseline
▲ 0.50% · 4.625%
HK$75,283
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,930/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,289
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,281
−HK$2,021/mo
Today · 4.125%
HK$78,302
baseline
▲ 0.50% · 4.625%
HK$82,430
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,604/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,907
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,330
−HK$2,462/mo
Today · 4.125%
HK$82,792
baseline
▲ 0.50% · 4.625%
HK$87,830
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,584/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,670
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,995
−HK$2,358/mo
Today · 4.125%
HK$91,353
baseline
▲ 0.50% · 4.625%
HK$96,168
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,706/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,166
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,281
−HK$3,166/mo
Today · 4.125%
HK$106,447
baseline
▲ 0.50% · 4.625%
HK$112,924
+HK$6,477/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,894/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,433
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,422
−HK$3,032/mo
Today · 4.125%
HK$117,454
baseline
▲ 0.50% · 4.625%
HK$123,645
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,908/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,174 · Scale 2, in force from 26 Feb 2026)