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$55,479
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,754/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,587/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,679/mo
Today · 4.125%
HK$65,055
baseline
▲ 0.50% · 4.625%
HK$68,484
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,110/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,575
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$2,104/mo
Today · 4.125%
HK$70,750
baseline
▲ 0.50% · 4.625%
HK$75,055
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,500/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,064
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,051
−HK$2,015/mo
Today · 4.125%
HK$78,066
baseline
▲ 0.50% · 4.625%
HK$82,181
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,132/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,671
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,087
−HK$2,455/mo
Today · 4.125%
HK$82,542
baseline
▲ 0.50% · 4.625%
HK$87,564
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,084/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,409
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,726
−HK$2,351/mo
Today · 4.125%
HK$91,077
baseline
▲ 0.50% · 4.625%
HK$95,878
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,154/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,863
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,969
−HK$3,156/mo
Today · 4.125%
HK$106,125
baseline
▲ 0.50% · 4.625%
HK$112,583
+HK$6,458/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,250/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,097
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,076
−HK$3,023/mo
Today · 4.125%
HK$117,099
baseline
▲ 0.50% · 4.625%
HK$123,271
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,198/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,041 · Scale 2, in force from 26 Feb 2026)