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$55,872
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,610
−HK$1,766/mo
Today · 4.125%
HK$59,376
baseline
▲ 0.50% · 4.625%
HK$62,988
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,752/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,157
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,824
−HK$1,691/mo
Today · 4.125%
HK$65,515
baseline
▲ 0.50% · 4.625%
HK$68,968
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,030/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,046
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,132
−HK$2,119/mo
Today · 4.125%
HK$71,251
baseline
▲ 0.50% · 4.625%
HK$75,586
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,502/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,588
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,589
−HK$2,029/mo
Today · 4.125%
HK$78,618
baseline
▲ 0.50% · 4.625%
HK$82,762
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,236/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,221
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,654
−HK$2,472/mo
Today · 4.125%
HK$83,126
baseline
▲ 0.50% · 4.625%
HK$88,184
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,252/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,020
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,353
−HK$2,368/mo
Today · 4.125%
HK$91,721
baseline
▲ 0.50% · 4.625%
HK$96,556
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,442/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,569
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,698
−HK$3,178/mo
Today · 4.125%
HK$106,876
baseline
▲ 0.50% · 4.625%
HK$113,379
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,752/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,882
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,883
−HK$3,044/mo
Today · 4.125%
HK$117,927
baseline
▲ 0.50% · 4.625%
HK$124,143
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,854/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,354 · Scale 2, in force from 26 Feb 2026)