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$55,560
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,289
−HK$1,756/mo
Today · 4.125%
HK$59,045
baseline
▲ 0.50% · 4.625%
HK$62,637
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,090/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,810
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,468
−HK$1,682/mo
Today · 4.125%
HK$65,150
baseline
▲ 0.50% · 4.625%
HK$68,584
+HK$3,434/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,300/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$2,107/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$75,165
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,172
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,162
−HK$2,018/mo
Today · 4.125%
HK$78,180
baseline
▲ 0.50% · 4.625%
HK$82,301
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,360/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,785
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,204
−HK$2,458/mo
Today · 4.125%
HK$82,662
baseline
▲ 0.50% · 4.625%
HK$87,692
+HK$5,030/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,324/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,535
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,855
−HK$2,355/mo
Today · 4.125%
HK$91,210
baseline
▲ 0.50% · 4.625%
HK$96,018
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,420/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,009
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,120
−HK$3,160/mo
Today · 4.125%
HK$106,280
baseline
▲ 0.50% · 4.625%
HK$112,747
+HK$6,467/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,560/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,259
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,243
−HK$3,027/mo
Today · 4.125%
HK$117,270
baseline
▲ 0.50% · 4.625%
HK$123,451
+HK$6,181/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,540/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,549 · Scale 2, in force from 26 Feb 2026)