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$55,856
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,765/mo
Today · 4.125%
HK$59,358
baseline
▲ 0.50% · 4.625%
HK$62,970
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,716/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,139
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,806
−HK$1,690/mo
Today · 4.125%
HK$65,496
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,992/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,027
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,112
−HK$2,118/mo
Today · 4.125%
HK$71,230
baseline
▲ 0.50% · 4.625%
HK$75,564
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,460/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,567
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,567
−HK$2,028/mo
Today · 4.125%
HK$78,595
baseline
▲ 0.50% · 4.625%
HK$82,738
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,190/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,198
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,630
−HK$2,472/mo
Today · 4.125%
HK$83,102
baseline
▲ 0.50% · 4.625%
HK$88,158
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,204/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,995
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,328
−HK$2,367/mo
Today · 4.125%
HK$91,695
baseline
▲ 0.50% · 4.625%
HK$96,528
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,390/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,540
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,668
−HK$3,177/mo
Today · 4.125%
HK$106,845
baseline
▲ 0.50% · 4.625%
HK$113,346
+HK$6,501/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,690/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,850
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,850
−HK$3,043/mo
Today · 4.125%
HK$117,893
baseline
▲ 0.50% · 4.625%
HK$124,107
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,786/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,055 · Scale 2, in force from 26 Feb 2026)