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$55,796
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,531
−HK$1,764/mo
Today · 4.125%
HK$59,295
baseline
▲ 0.50% · 4.625%
HK$62,903
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,590/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,072
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,737
−HK$1,689/mo
Today · 4.125%
HK$65,426
baseline
▲ 0.50% · 4.625%
HK$68,875
+HK$3,449/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,852/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,955
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,038
−HK$2,116/mo
Today · 4.125%
HK$71,154
baseline
▲ 0.50% · 4.625%
HK$75,483
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,308/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,487
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,484
−HK$2,027/mo
Today · 4.125%
HK$78,511
baseline
▲ 0.50% · 4.625%
HK$82,649
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,022/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,114
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,544
−HK$2,469/mo
Today · 4.125%
HK$83,013
baseline
▲ 0.50% · 4.625%
HK$88,064
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,026/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,901
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,232
−HK$2,364/mo
Today · 4.125%
HK$91,596
baseline
▲ 0.50% · 4.625%
HK$96,424
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,192/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,432
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,556
−HK$3,174/mo
Today · 4.125%
HK$106,730
baseline
▲ 0.50% · 4.625%
HK$113,225
+HK$6,495/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,460/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,730
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,727
−HK$3,039/mo
Today · 4.125%
HK$117,766
baseline
▲ 0.50% · 4.625%
HK$123,974
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,532/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,937 · Scale 2, in force from 26 Feb 2026)