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$55,884
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,622
−HK$1,766/mo
Today · 4.125%
HK$59,388
baseline
▲ 0.50% · 4.625%
HK$63,002
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,776/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,170
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,837
−HK$1,692/mo
Today · 4.125%
HK$65,529
baseline
▲ 0.50% · 4.625%
HK$68,983
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,058/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,060
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,146
−HK$2,120/mo
Today · 4.125%
HK$71,266
baseline
▲ 0.50% · 4.625%
HK$75,602
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,532/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,604
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,605
−HK$2,030/mo
Today · 4.125%
HK$78,635
baseline
▲ 0.50% · 4.625%
HK$82,780
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,270/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,237
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,671
−HK$2,472/mo
Today · 4.125%
HK$83,143
baseline
▲ 0.50% · 4.625%
HK$88,202
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,286/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,038
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,372
−HK$2,368/mo
Today · 4.125%
HK$91,740
baseline
▲ 0.50% · 4.625%
HK$96,576
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,480/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,591
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,719
−HK$3,179/mo
Today · 4.125%
HK$106,898
baseline
▲ 0.50% · 4.625%
HK$113,403
+HK$6,505/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,796/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,906
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,907
−HK$3,045/mo
Today · 4.125%
HK$117,952
baseline
▲ 0.50% · 4.625%
HK$124,169
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,904/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,574 · Scale 2, in force from 26 Feb 2026)