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$55,673
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,405
−HK$1,759/mo
Today · 4.125%
HK$59,164
baseline
▲ 0.50% · 4.625%
HK$62,764
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,328/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,936
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,597
−HK$1,685/mo
Today · 4.125%
HK$65,282
baseline
▲ 0.50% · 4.625%
HK$68,723
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,564/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,808
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,886
−HK$2,111/mo
Today · 4.125%
HK$70,997
baseline
▲ 0.50% · 4.625%
HK$75,317
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,994/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,323
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,316
−HK$2,022/mo
Today · 4.125%
HK$78,338
baseline
▲ 0.50% · 4.625%
HK$82,468
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,676/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,942
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,367
−HK$2,463/mo
Today · 4.125%
HK$82,830
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,660/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,710
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,035
−HK$2,360/mo
Today · 4.125%
HK$91,395
baseline
▲ 0.50% · 4.625%
HK$96,212
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,790/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,211
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,329
−HK$3,167/mo
Today · 4.125%
HK$106,496
baseline
▲ 0.50% · 4.625%
HK$112,976
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,992/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,484
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,474
−HK$3,033/mo
Today · 4.125%
HK$117,507
baseline
▲ 0.50% · 4.625%
HK$123,701
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,014/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,648 · Scale 2, in force from 26 Feb 2026)