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$55,642
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,372
−HK$1,759/mo
Today · 4.125%
HK$59,131
baseline
▲ 0.50% · 4.625%
HK$62,729
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,262/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,901
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,561
−HK$1,684/mo
Today · 4.125%
HK$65,245
baseline
▲ 0.50% · 4.625%
HK$68,684
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,490/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,770
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,847
−HK$2,110/mo
Today · 4.125%
HK$70,957
baseline
▲ 0.50% · 4.625%
HK$75,275
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,914/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,281
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,273
−HK$2,021/mo
Today · 4.125%
HK$78,294
baseline
▲ 0.50% · 4.625%
HK$82,421
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,588/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,898
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,321
−HK$2,462/mo
Today · 4.125%
HK$82,783
baseline
▲ 0.50% · 4.625%
HK$87,820
+HK$5,037/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,566/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,661
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,985
−HK$2,358/mo
Today · 4.125%
HK$91,343
baseline
▲ 0.50% · 4.625%
HK$96,158
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,686/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,155
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,270
−HK$3,165/mo
Today · 4.125%
HK$106,435
baseline
▲ 0.50% · 4.625%
HK$112,912
+HK$6,477/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,870/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,421
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,410
−HK$3,031/mo
Today · 4.125%
HK$117,441
baseline
▲ 0.50% · 4.625%
HK$123,631
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,882/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,062 · Scale 2, in force from 26 Feb 2026)