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$55,896
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,635
−HK$1,766/mo
Today · 4.125%
HK$59,401
baseline
▲ 0.50% · 4.625%
HK$63,015
+HK$3,614/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,802/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,184
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,851
−HK$1,692/mo
Today · 4.125%
HK$65,543
baseline
▲ 0.50% · 4.625%
HK$68,998
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,086/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,075
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,161
−HK$2,120/mo
Today · 4.125%
HK$71,281
baseline
▲ 0.50% · 4.625%
HK$75,618
+HK$4,337/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,562/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,620
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,622
−HK$2,030/mo
Today · 4.125%
HK$78,652
baseline
▲ 0.50% · 4.625%
HK$82,798
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,304/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,254
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,688
−HK$2,473/mo
Today · 4.125%
HK$83,161
baseline
▲ 0.50% · 4.625%
HK$88,222
+HK$5,061/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,322/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,057
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,392
−HK$2,368/mo
Today · 4.125%
HK$91,760
baseline
▲ 0.50% · 4.625%
HK$96,597
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,520/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,613
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,742
−HK$3,180/mo
Today · 4.125%
HK$106,922
baseline
▲ 0.50% · 4.625%
HK$113,428
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,844/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,930
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,932
−HK$3,046/mo
Today · 4.125%
HK$117,978
baseline
▲ 0.50% · 4.625%
HK$124,196
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,956/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,801 · Scale 2, in force from 26 Feb 2026)