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$55,804
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,539
−HK$1,764/mo
Today · 4.125%
HK$59,303
baseline
▲ 0.50% · 4.625%
HK$62,911
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,606/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,081
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,746
−HK$1,689/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$68,884
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,964
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,047
−HK$2,117/mo
Today · 4.125%
HK$71,164
baseline
▲ 0.50% · 4.625%
HK$75,494
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,328/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,497
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,495
−HK$2,027/mo
Today · 4.125%
HK$78,522
baseline
▲ 0.50% · 4.625%
HK$82,661
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,044/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,125
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,555
−HK$2,469/mo
Today · 4.125%
HK$83,024
baseline
▲ 0.50% · 4.625%
HK$88,076
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,048/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,913
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,244
−HK$2,365/mo
Today · 4.125%
HK$91,609
baseline
▲ 0.50% · 4.625%
HK$96,438
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,218/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,446
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,571
−HK$3,174/mo
Today · 4.125%
HK$106,745
baseline
▲ 0.50% · 4.625%
HK$113,241
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,490/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,746
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,743
−HK$3,040/mo
Today · 4.125%
HK$117,783
baseline
▲ 0.50% · 4.625%
HK$123,991
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,566/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,082 · Scale 2, in force from 26 Feb 2026)