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$55,524
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,252
−HK$1,754/mo
Today · 4.125%
HK$59,006
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,591/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,012/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,770
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,427
−HK$1,681/mo
Today · 4.125%
HK$65,108
baseline
▲ 0.50% · 4.625%
HK$68,540
+HK$3,432/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,216/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,629
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,702
−HK$2,106/mo
Today · 4.125%
HK$70,808
baseline
▲ 0.50% · 4.625%
HK$75,116
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,616/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,125
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,113
−HK$2,016/mo
Today · 4.125%
HK$78,129
baseline
▲ 0.50% · 4.625%
HK$82,248
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,258/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,734
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,152
−HK$2,457/mo
Today · 4.125%
HK$82,609
baseline
▲ 0.50% · 4.625%
HK$87,635
+HK$5,026/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,218/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,479
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,798
−HK$2,353/mo
Today · 4.125%
HK$91,151
baseline
▲ 0.50% · 4.625%
HK$95,955
+HK$4,804/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,302/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,944
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,053
−HK$3,158/mo
Today · 4.125%
HK$106,211
baseline
▲ 0.50% · 4.625%
HK$112,674
+HK$6,463/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,422/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,187
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,169
−HK$3,025/mo
Today · 4.125%
HK$117,194
baseline
▲ 0.50% · 4.625%
HK$123,371
+HK$6,177/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,388/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,880 · Scale 2, in force from 26 Feb 2026)