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$56,075
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,772/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$63,217
+HK$3,626/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,383
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,697/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,219
+HK$3,466/mo
Deposit HK$12.30M · loan HK$12.30M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,383
−HK$2,127/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,861
+HK$4,351/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,859
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,867
−HK$2,037/mo
Today · 4.125%
HK$78,904
baseline
▲ 0.50% · 4.625%
HK$83,063
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$157,808/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,505
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,947
−HK$2,481/mo
Today · 4.125%
HK$83,428
baseline
▲ 0.50% · 4.625%
HK$88,504
+HK$5,076/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,856/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,336
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,678
−HK$2,376/mo
Today · 4.125%
HK$92,054
baseline
▲ 0.50% · 4.625%
HK$96,907
+HK$4,853/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,108/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,935
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,075
−HK$3,189/mo
Today · 4.125%
HK$107,264
baseline
▲ 0.50% · 4.625%
HK$113,791
+HK$6,527/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,528/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,289
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,301
−HK$3,055/mo
Today · 4.125%
HK$118,356
baseline
▲ 0.50% · 4.625%
HK$124,594
+HK$6,238/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,712/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,045,139 · Scale 2, in force from 26 Feb 2026)