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$55,863
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,601
−HK$1,765/mo
Today · 4.125%
HK$59,366
baseline
▲ 0.50% · 4.625%
HK$62,978
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,732/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,147
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,814
−HK$1,691/mo
Today · 4.125%
HK$65,505
baseline
▲ 0.50% · 4.625%
HK$68,958
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,010/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,036
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,121
−HK$2,118/mo
Today · 4.125%
HK$71,239
baseline
▲ 0.50% · 4.625%
HK$75,574
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,478/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,577
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,577
−HK$2,029/mo
Today · 4.125%
HK$78,606
baseline
▲ 0.50% · 4.625%
HK$82,749
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,212/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,208
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,641
−HK$2,472/mo
Today · 4.125%
HK$83,113
baseline
▲ 0.50% · 4.625%
HK$88,170
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,226/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,006
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,339
−HK$2,368/mo
Today · 4.125%
HK$91,707
baseline
▲ 0.50% · 4.625%
HK$96,541
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,414/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,554
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,681
−HK$3,178/mo
Today · 4.125%
HK$106,859
baseline
▲ 0.50% · 4.625%
HK$113,361
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,718/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,865
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,865
−HK$3,043/mo
Today · 4.125%
HK$117,908
baseline
▲ 0.50% · 4.625%
HK$124,124
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,816/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,190 · Scale 2, in force from 26 Feb 2026)