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$55,595
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,324
−HK$1,757/mo
Today · 4.125%
HK$59,081
baseline
▲ 0.50% · 4.625%
HK$62,676
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,162/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,849
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,508
−HK$1,682/mo
Today · 4.125%
HK$65,190
baseline
▲ 0.50% · 4.625%
HK$68,627
+HK$3,437/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,380/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,714
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,789
−HK$2,109/mo
Today · 4.125%
HK$70,898
baseline
▲ 0.50% · 4.625%
HK$75,212
+HK$4,314/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,796/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,219
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,209
−HK$2,020/mo
Today · 4.125%
HK$78,229
baseline
▲ 0.50% · 4.625%
HK$82,352
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,458/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,833
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,254
−HK$2,460/mo
Today · 4.125%
HK$82,714
baseline
▲ 0.50% · 4.625%
HK$87,747
+HK$5,033/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$165,428/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,589
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,911
−HK$2,356/mo
Today · 4.125%
HK$91,267
baseline
▲ 0.50% · 4.625%
HK$96,077
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.07M · min. income ≈ HK$182,534/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,071
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,184
−HK$3,162/mo
Today · 4.125%
HK$106,346
baseline
▲ 0.50% · 4.625%
HK$112,817
+HK$6,471/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,692/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,328
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,314
−HK$3,029/mo
Today · 4.125%
HK$117,343
baseline
▲ 0.50% · 4.625%
HK$123,528
+HK$6,185/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,686/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,195 · Scale 2, in force from 26 Feb 2026)