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$55,462
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,187
−HK$1,753/mo
Today · 4.125%
HK$58,940
baseline
▲ 0.50% · 4.625%
HK$62,526
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,880/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,701
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,355
−HK$1,679/mo
Today · 4.125%
HK$65,034
baseline
▲ 0.50% · 4.625%
HK$68,462
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,068/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,554
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,624
−HK$2,103/mo
Today · 4.125%
HK$70,727
baseline
▲ 0.50% · 4.625%
HK$75,031
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,454/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,041
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,026
−HK$2,015/mo
Today · 4.125%
HK$78,041
baseline
▲ 0.50% · 4.625%
HK$82,154
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,082/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,646
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,062
−HK$2,453/mo
Today · 4.125%
HK$82,515
baseline
▲ 0.50% · 4.625%
HK$87,536
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,030/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,381
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,697
−HK$2,351/mo
Today · 4.125%
HK$91,048
baseline
▲ 0.50% · 4.625%
HK$95,847
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,096/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,831
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,936
−HK$3,155/mo
Today · 4.125%
HK$106,091
baseline
▲ 0.50% · 4.625%
HK$112,547
+HK$6,456/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,182/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,061
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,040
−HK$3,021/mo
Today · 4.125%
HK$117,061
baseline
▲ 0.50% · 4.625%
HK$123,232
+HK$6,171/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,122/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,708 · Scale 2, in force from 26 Feb 2026)