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$55,568
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,296
−HK$1,756/mo
Today · 4.125%
HK$59,052
baseline
▲ 0.50% · 4.625%
HK$62,645
+HK$3,593/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,104/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,818
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,476
−HK$1,682/mo
Today · 4.125%
HK$65,158
baseline
▲ 0.50% · 4.625%
HK$68,593
+HK$3,435/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,316/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,681
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,755
−HK$2,108/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$75,174
+HK$4,311/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,182
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,172
−HK$2,018/mo
Today · 4.125%
HK$78,190
baseline
▲ 0.50% · 4.625%
HK$82,311
+HK$4,121/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,380/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,795
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,215
−HK$2,458/mo
Today · 4.125%
HK$82,673
baseline
▲ 0.50% · 4.625%
HK$87,704
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,346/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,546
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,867
−HK$2,355/mo
Today · 4.125%
HK$91,222
baseline
▲ 0.50% · 4.625%
HK$96,030
+HK$4,808/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,444/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,022
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,133
−HK$3,161/mo
Today · 4.125%
HK$106,294
baseline
▲ 0.50% · 4.625%
HK$112,762
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,588/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,273
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,257
−HK$3,028/mo
Today · 4.125%
HK$117,285
baseline
▲ 0.50% · 4.625%
HK$123,467
+HK$6,182/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,570/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,684 · Scale 2, in force from 26 Feb 2026)