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$55,671
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,402
−HK$1,760/mo
Today · 4.125%
HK$59,162
baseline
▲ 0.50% · 4.625%
HK$62,762
+HK$3,600/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,324/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,933
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,594
−HK$1,685/mo
Today · 4.125%
HK$65,279
baseline
▲ 0.50% · 4.625%
HK$68,720
+HK$3,441/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,558/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,883
−HK$2,111/mo
Today · 4.125%
HK$70,994
baseline
▲ 0.50% · 4.625%
HK$75,314
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$141,988/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,313
−HK$2,022/mo
Today · 4.125%
HK$78,335
baseline
▲ 0.50% · 4.625%
HK$82,464
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,670/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,939
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,363
−HK$2,463/mo
Today · 4.125%
HK$82,826
baseline
▲ 0.50% · 4.625%
HK$87,866
+HK$5,040/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$165,652/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,706
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,032
−HK$2,359/mo
Today · 4.125%
HK$91,391
baseline
▲ 0.50% · 4.625%
HK$96,208
+HK$4,817/mo
Deposit HK$7.32M · loan HK$17.09M · min. income ≈ HK$182,782/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,207
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,324
−HK$3,167/mo
Today · 4.125%
HK$106,491
baseline
▲ 0.50% · 4.625%
HK$112,971
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$212,982/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,480
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,469
−HK$3,033/mo
Today · 4.125%
HK$117,502
baseline
▲ 0.50% · 4.625%
HK$123,696
+HK$6,194/mo
Deposit HK$2.44M · loan HK$21.97M · min. income ≈ HK$235,004/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,605 · Scale 2, in force from 26 Feb 2026)