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$55,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,769/mo
Today · 4.125%
HK$59,505
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,010/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,293
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,695/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,119
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,193
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,283
−HK$2,123/mo
Today · 4.125%
HK$71,406
baseline
▲ 0.50% · 4.625%
HK$75,751
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,812/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,751
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,756
−HK$2,034/mo
Today · 4.125%
HK$78,790
baseline
▲ 0.50% · 4.625%
HK$82,943
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,580/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,392
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,830
−HK$2,478/mo
Today · 4.125%
HK$83,308
baseline
▲ 0.50% · 4.625%
HK$88,377
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,616/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,210
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,549
−HK$2,373/mo
Today · 4.125%
HK$91,922
baseline
▲ 0.50% · 4.625%
HK$96,767
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,844/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,789
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,924
−HK$3,186/mo
Today · 4.125%
HK$107,110
baseline
▲ 0.50% · 4.625%
HK$113,627
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,220/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,127
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,134
−HK$3,051/mo
Today · 4.125%
HK$118,185
baseline
▲ 0.50% · 4.625%
HK$124,415
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,370/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,632 · Scale 2, in force from 26 Feb 2026)