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$55,651
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,382
−HK$1,759/mo
Today · 4.125%
HK$59,141
baseline
▲ 0.50% · 4.625%
HK$62,739
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,282/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,911
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,571
−HK$1,685/mo
Today · 4.125%
HK$65,256
baseline
▲ 0.50% · 4.625%
HK$68,695
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,512/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,781
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,858
−HK$2,111/mo
Today · 4.125%
HK$70,969
baseline
▲ 0.50% · 4.625%
HK$75,287
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,938/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,293
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,286
−HK$2,021/mo
Today · 4.125%
HK$78,307
baseline
▲ 0.50% · 4.625%
HK$82,435
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,614/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,911
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,335
−HK$2,462/mo
Today · 4.125%
HK$82,797
baseline
▲ 0.50% · 4.625%
HK$87,835
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,594/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,675
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,000
−HK$2,358/mo
Today · 4.125%
HK$91,358
baseline
▲ 0.50% · 4.625%
HK$96,174
+HK$4,816/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,716/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,171
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,287
−HK$3,166/mo
Today · 4.125%
HK$106,453
baseline
▲ 0.50% · 4.625%
HK$112,930
+HK$6,477/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,906/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,440
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,428
−HK$3,032/mo
Today · 4.125%
HK$117,460
baseline
▲ 0.50% · 4.625%
HK$123,652
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,920/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,233 · Scale 2, in force from 26 Feb 2026)