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$55,659
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,391
−HK$1,759/mo
Today · 4.125%
HK$59,150
baseline
▲ 0.50% · 4.625%
HK$62,749
+HK$3,599/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,300/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,920
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,581
−HK$1,685/mo
Today · 4.125%
HK$65,266
baseline
▲ 0.50% · 4.625%
HK$68,706
+HK$3,440/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,532/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,791
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,869
−HK$2,111/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$75,299
+HK$4,319/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,305
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,297
−HK$2,022/mo
Today · 4.125%
HK$78,319
baseline
▲ 0.50% · 4.625%
HK$82,447
+HK$4,128/mo
Deposit HK$9.76M · loan HK$14.65M · min. income ≈ HK$156,638/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,923
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,347
−HK$2,463/mo
Today · 4.125%
HK$82,810
baseline
▲ 0.50% · 4.625%
HK$87,848
+HK$5,038/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,620/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,689
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,014
−HK$2,358/mo
Today · 4.125%
HK$91,372
baseline
▲ 0.50% · 4.625%
HK$96,189
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,744/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,187
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,303
−HK$3,166/mo
Today · 4.125%
HK$106,469
baseline
▲ 0.50% · 4.625%
HK$112,948
+HK$6,479/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,938/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,457
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,446
−HK$3,033/mo
Today · 4.125%
HK$117,479
baseline
▲ 0.50% · 4.625%
HK$123,671
+HK$6,192/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$234,958/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,394 · Scale 2, in force from 26 Feb 2026)