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$55,631
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,361
−HK$1,758/mo
Today · 4.125%
HK$59,119
baseline
▲ 0.50% · 4.625%
HK$62,717
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,238/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,889
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,549
−HK$1,683/mo
Today · 4.125%
HK$65,232
baseline
▲ 0.50% · 4.625%
HK$68,671
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,464/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,757
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,833
−HK$2,110/mo
Today · 4.125%
HK$70,943
baseline
▲ 0.50% · 4.625%
HK$75,260
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,886/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,266
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,258
−HK$2,021/mo
Today · 4.125%
HK$78,279
baseline
▲ 0.50% · 4.625%
HK$82,405
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,558/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,883
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,306
−HK$2,461/mo
Today · 4.125%
HK$82,767
baseline
▲ 0.50% · 4.625%
HK$87,803
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,534/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,644
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,968
−HK$2,357/mo
Today · 4.125%
HK$91,325
baseline
▲ 0.50% · 4.625%
HK$96,139
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,650/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,135
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,250
−HK$3,165/mo
Today · 4.125%
HK$106,415
baseline
▲ 0.50% · 4.625%
HK$112,890
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,830/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,400
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,387
−HK$3,031/mo
Today · 4.125%
HK$117,418
baseline
▲ 0.50% · 4.625%
HK$123,608
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,836/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,861 · Scale 2, in force from 26 Feb 2026)