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$55,668
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,399
−HK$1,760/mo
Today · 4.125%
HK$59,159
baseline
▲ 0.50% · 4.625%
HK$62,758
+HK$3,599/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,318/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,930
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,591
−HK$1,685/mo
Today · 4.125%
HK$65,276
baseline
▲ 0.50% · 4.625%
HK$68,716
+HK$3,440/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,552/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,801
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,879
−HK$2,111/mo
Today · 4.125%
HK$70,990
baseline
▲ 0.50% · 4.625%
HK$75,310
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,980/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,316
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,309
−HK$2,022/mo
Today · 4.125%
HK$78,331
baseline
▲ 0.50% · 4.625%
HK$82,460
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,662/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,935
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,359
−HK$2,463/mo
Today · 4.125%
HK$82,822
baseline
▲ 0.50% · 4.625%
HK$87,861
+HK$5,039/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,644/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,702
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,027
−HK$2,359/mo
Today · 4.125%
HK$91,386
baseline
▲ 0.50% · 4.625%
HK$96,203
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,772/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,202
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,319
−HK$3,166/mo
Today · 4.125%
HK$106,485
baseline
▲ 0.50% · 4.625%
HK$112,965
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,970/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,474
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,463
−HK$3,033/mo
Today · 4.125%
HK$117,496
baseline
▲ 0.50% · 4.625%
HK$123,689
+HK$6,193/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,992/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,549 · Scale 2, in force from 26 Feb 2026)