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$55,544
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,272
−HK$1,755/mo
Today · 4.125%
HK$59,027
baseline
▲ 0.50% · 4.625%
HK$62,619
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,054/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,792
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,450
−HK$1,681/mo
Today · 4.125%
HK$65,131
baseline
▲ 0.50% · 4.625%
HK$68,564
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,262/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,653
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,726
−HK$2,107/mo
Today · 4.125%
HK$70,833
baseline
▲ 0.50% · 4.625%
HK$75,143
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$141,666/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,151
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,140
−HK$2,017/mo
Today · 4.125%
HK$78,157
baseline
▲ 0.50% · 4.625%
HK$82,277
+HK$4,120/mo
Deposit HK$9.74M · loan HK$14.62M · min. income ≈ HK$156,314/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,762
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,181
−HK$2,457/mo
Today · 4.125%
HK$82,638
baseline
▲ 0.50% · 4.625%
HK$87,667
+HK$5,029/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,276/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,509
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,829
−HK$2,354/mo
Today · 4.125%
HK$91,183
baseline
▲ 0.50% · 4.625%
HK$95,990
+HK$4,807/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,366/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,980
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,089
−HK$3,160/mo
Today · 4.125%
HK$106,249
baseline
▲ 0.50% · 4.625%
HK$112,714
+HK$6,465/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,498/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,226
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,209
−HK$3,026/mo
Today · 4.125%
HK$117,235
baseline
▲ 0.50% · 4.625%
HK$123,415
+HK$6,180/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,470/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,247 · Scale 2, in force from 26 Feb 2026)