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$55,543
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,270
−HK$1,756/mo
Today · 4.125%
HK$59,026
baseline
▲ 0.50% · 4.625%
HK$62,617
+HK$3,591/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,052/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,791
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,448
−HK$1,681/mo
Today · 4.125%
HK$65,129
baseline
▲ 0.50% · 4.625%
HK$68,562
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,258/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,651
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,725
−HK$2,106/mo
Today · 4.125%
HK$70,831
baseline
▲ 0.50% · 4.625%
HK$75,141
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,662/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,149
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,138
−HK$2,017/mo
Today · 4.125%
HK$78,155
baseline
▲ 0.50% · 4.625%
HK$82,275
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,310/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,760
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,179
−HK$2,457/mo
Today · 4.125%
HK$82,636
baseline
▲ 0.50% · 4.625%
HK$87,664
+HK$5,028/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,272/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,507
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,827
−HK$2,354/mo
Today · 4.125%
HK$91,181
baseline
▲ 0.50% · 4.625%
HK$95,987
+HK$4,806/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,362/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,977
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,087
−HK$3,159/mo
Today · 4.125%
HK$106,246
baseline
▲ 0.50% · 4.625%
HK$112,711
+HK$6,465/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,492/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,223
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,206
−HK$3,026/mo
Today · 4.125%
HK$117,232
baseline
▲ 0.50% · 4.625%
HK$123,412
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,464/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,220 · Scale 2, in force from 26 Feb 2026)