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$55,603
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,332
−HK$1,757/mo
Today · 4.125%
HK$59,089
baseline
▲ 0.50% · 4.625%
HK$62,685
+HK$3,596/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,178/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,857
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,516
−HK$1,683/mo
Today · 4.125%
HK$65,199
baseline
▲ 0.50% · 4.625%
HK$68,636
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,398/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,723
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,799
−HK$2,108/mo
Today · 4.125%
HK$70,907
baseline
▲ 0.50% · 4.625%
HK$75,222
+HK$4,315/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,814/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,229
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,220
−HK$2,019/mo
Today · 4.125%
HK$78,239
baseline
▲ 0.50% · 4.625%
HK$82,363
+HK$4,124/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,478/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,844
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,265
−HK$2,460/mo
Today · 4.125%
HK$82,725
baseline
▲ 0.50% · 4.625%
HK$87,759
+HK$5,034/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$165,450/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,600
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,923
−HK$2,356/mo
Today · 4.125%
HK$91,279
baseline
▲ 0.50% · 4.625%
HK$96,090
+HK$4,811/mo
Deposit HK$7.32M · loan HK$17.07M · min. income ≈ HK$182,558/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,085
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,198
−HK$3,163/mo
Today · 4.125%
HK$106,361
baseline
▲ 0.50% · 4.625%
HK$112,833
+HK$6,472/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$212,722/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,343
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,329
−HK$3,030/mo
Today · 4.125%
HK$117,359
baseline
▲ 0.50% · 4.625%
HK$123,545
+HK$6,186/mo
Deposit HK$2.44M · loan HK$21.95M · min. income ≈ HK$234,718/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,336 · Scale 2, in force from 26 Feb 2026)