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$55,523
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,755/mo
Today · 4.125%
HK$59,005
baseline
▲ 0.50% · 4.625%
HK$62,595
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,010/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,769
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,425
−HK$1,681/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$68,537
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,627
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,700
−HK$2,105/mo
Today · 4.125%
HK$70,805
baseline
▲ 0.50% · 4.625%
HK$75,114
+HK$4,309/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,610/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,122
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,110
−HK$2,017/mo
Today · 4.125%
HK$78,127
baseline
▲ 0.50% · 4.625%
HK$82,245
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,254/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,732
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,150
−HK$2,456/mo
Today · 4.125%
HK$82,606
baseline
▲ 0.50% · 4.625%
HK$87,633
+HK$5,027/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,212/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,476
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,795
−HK$2,353/mo
Today · 4.125%
HK$91,148
baseline
▲ 0.50% · 4.625%
HK$95,952
+HK$4,804/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,296/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,941
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,050
−HK$3,158/mo
Today · 4.125%
HK$106,208
baseline
▲ 0.50% · 4.625%
HK$112,671
+HK$6,463/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,416/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,183
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,165
−HK$3,025/mo
Today · 4.125%
HK$117,190
baseline
▲ 0.50% · 4.625%
HK$123,367
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,380/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,848 · Scale 2, in force from 26 Feb 2026)