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$55,640
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,371
−HK$1,759/mo
Today · 4.125%
HK$59,130
baseline
▲ 0.50% · 4.625%
HK$62,727
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,260/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,899
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,559
−HK$1,685/mo
Today · 4.125%
HK$65,244
baseline
▲ 0.50% · 4.625%
HK$68,683
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,488/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,768
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,845
−HK$2,110/mo
Today · 4.125%
HK$70,955
baseline
▲ 0.50% · 4.625%
HK$75,273
+HK$4,318/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,910/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,279
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,271
−HK$2,021/mo
Today · 4.125%
HK$78,292
baseline
▲ 0.50% · 4.625%
HK$82,419
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,584/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,897
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,320
−HK$2,461/mo
Today · 4.125%
HK$82,781
baseline
▲ 0.50% · 4.625%
HK$87,818
+HK$5,037/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,562/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,659
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,983
−HK$2,358/mo
Today · 4.125%
HK$91,341
baseline
▲ 0.50% · 4.625%
HK$96,156
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,682/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,153
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,268
−HK$3,165/mo
Today · 4.125%
HK$106,433
baseline
▲ 0.50% · 4.625%
HK$112,909
+HK$6,476/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,866/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,419
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,407
−HK$3,031/mo
Today · 4.125%
HK$117,438
baseline
▲ 0.50% · 4.625%
HK$123,629
+HK$6,191/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,876/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,040 · Scale 2, in force from 26 Feb 2026)