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$55,639
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,370
−HK$1,758/mo
Today · 4.125%
HK$59,128
baseline
▲ 0.50% · 4.625%
HK$62,726
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,256/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,898
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,558
−HK$1,684/mo
Today · 4.125%
HK$65,242
baseline
▲ 0.50% · 4.625%
HK$68,681
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,484/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,767
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,844
−HK$2,110/mo
Today · 4.125%
HK$70,954
baseline
▲ 0.50% · 4.625%
HK$75,271
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,908/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,277
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,270
−HK$2,020/mo
Today · 4.125%
HK$78,290
baseline
▲ 0.50% · 4.625%
HK$82,417
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,580/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,895
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,318
−HK$2,461/mo
Today · 4.125%
HK$82,779
baseline
▲ 0.50% · 4.625%
HK$87,816
+HK$5,037/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,558/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,657
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,981
−HK$2,358/mo
Today · 4.125%
HK$91,339
baseline
▲ 0.50% · 4.625%
HK$96,153
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,678/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,150
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,266
−HK$3,165/mo
Today · 4.125%
HK$106,431
baseline
▲ 0.50% · 4.625%
HK$112,907
+HK$6,476/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,862/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,416
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,404
−HK$3,032/mo
Today · 4.125%
HK$117,436
baseline
▲ 0.50% · 4.625%
HK$123,626
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,872/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,016 · Scale 2, in force from 26 Feb 2026)