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$55,448
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,752/mo
Today · 4.125%
HK$58,925
baseline
▲ 0.50% · 4.625%
HK$62,510
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,850/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,685
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,339
−HK$1,679/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,445
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,537
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,607
−HK$2,103/mo
Today · 4.125%
HK$70,710
baseline
▲ 0.50% · 4.625%
HK$75,012
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,420/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,022
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,007
−HK$2,014/mo
Today · 4.125%
HK$78,021
baseline
▲ 0.50% · 4.625%
HK$82,134
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,042/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,627
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,042
−HK$2,453/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$87,514
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,990/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,359
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,675
−HK$2,350/mo
Today · 4.125%
HK$91,025
baseline
▲ 0.50% · 4.625%
HK$95,823
+HK$4,798/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,050/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,806
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,911
−HK$3,154/mo
Today · 4.125%
HK$106,065
baseline
▲ 0.50% · 4.625%
HK$112,519
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,130/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,033
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,011
−HK$3,021/mo
Today · 4.125%
HK$117,032
baseline
▲ 0.50% · 4.625%
HK$123,201
+HK$6,169/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,064/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,450 · Scale 2, in force from 26 Feb 2026)