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$55,858
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,596
−HK$1,765/mo
Today · 4.125%
HK$59,361
baseline
▲ 0.50% · 4.625%
HK$62,973
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,722/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,142
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,808
−HK$1,691/mo
Today · 4.125%
HK$65,499
baseline
▲ 0.50% · 4.625%
HK$68,952
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,998/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,115
−HK$2,118/mo
Today · 4.125%
HK$71,233
baseline
▲ 0.50% · 4.625%
HK$75,568
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,466/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,570
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,570
−HK$2,029/mo
Today · 4.125%
HK$78,599
baseline
▲ 0.50% · 4.625%
HK$82,742
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,198/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,202
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,634
−HK$2,472/mo
Today · 4.125%
HK$83,106
baseline
▲ 0.50% · 4.625%
HK$88,162
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,212/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,999
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,332
−HK$2,367/mo
Today · 4.125%
HK$91,699
baseline
▲ 0.50% · 4.625%
HK$96,532
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,398/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,545
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,673
−HK$3,177/mo
Today · 4.125%
HK$106,850
baseline
▲ 0.50% · 4.625%
HK$113,352
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,700/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,855
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,855
−HK$3,044/mo
Today · 4.125%
HK$117,899
baseline
▲ 0.50% · 4.625%
HK$124,113
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,798/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,103 · Scale 2, in force from 26 Feb 2026)