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$55,671
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,403
−HK$1,759/mo
Today · 4.125%
HK$59,162
baseline
▲ 0.50% · 4.625%
HK$62,762
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,324/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,934
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,595
−HK$1,685/mo
Today · 4.125%
HK$65,280
baseline
▲ 0.50% · 4.625%
HK$68,721
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,560/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,883
−HK$2,112/mo
Today · 4.125%
HK$70,995
baseline
▲ 0.50% · 4.625%
HK$75,315
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,990/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,314
−HK$2,022/mo
Today · 4.125%
HK$78,336
baseline
▲ 0.50% · 4.625%
HK$82,465
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,672/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,940
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,364
−HK$2,463/mo
Today · 4.125%
HK$82,827
baseline
▲ 0.50% · 4.625%
HK$87,867
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,654/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,707
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,033
−HK$2,359/mo
Today · 4.125%
HK$91,392
baseline
▲ 0.50% · 4.625%
HK$96,209
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,784/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,208
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,325
−HK$3,167/mo
Today · 4.125%
HK$106,492
baseline
▲ 0.50% · 4.625%
HK$112,972
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,984/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,481
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,470
−HK$3,034/mo
Today · 4.125%
HK$117,504
baseline
▲ 0.50% · 4.625%
HK$123,697
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,008/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,615 · Scale 2, in force from 26 Feb 2026)