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$55,578
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,307
−HK$1,756/mo
Today · 4.125%
HK$59,063
baseline
▲ 0.50% · 4.625%
HK$62,657
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,126/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,830
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,488
−HK$1,682/mo
Today · 4.125%
HK$65,170
baseline
▲ 0.50% · 4.625%
HK$68,606
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,340/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,694
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,768
−HK$2,108/mo
Today · 4.125%
HK$70,876
baseline
▲ 0.50% · 4.625%
HK$75,188
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,752/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,196
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,186
−HK$2,018/mo
Today · 4.125%
HK$78,204
baseline
▲ 0.50% · 4.625%
HK$82,327
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,408/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,809
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,229
−HK$2,459/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,720
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,376/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,562
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,883
−HK$2,356/mo
Today · 4.125%
HK$91,239
baseline
▲ 0.50% · 4.625%
HK$96,048
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,478/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,040
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,152
−HK$3,162/mo
Today · 4.125%
HK$106,314
baseline
▲ 0.50% · 4.625%
HK$112,783
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,628/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,294
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,279
−HK$3,028/mo
Today · 4.125%
HK$117,307
baseline
▲ 0.50% · 4.625%
HK$123,490
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,614/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,877 · Scale 2, in force from 26 Feb 2026)