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$55,936
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,768/mo
Today · 4.125%
HK$59,444
baseline
▲ 0.50% · 4.625%
HK$63,061
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,888/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,229
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,898
−HK$1,693/mo
Today · 4.125%
HK$65,591
baseline
▲ 0.50% · 4.625%
HK$69,048
+HK$3,457/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,182/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,124
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,211
−HK$2,122/mo
Today · 4.125%
HK$71,333
baseline
▲ 0.50% · 4.625%
HK$75,673
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,666/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,674
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,677
−HK$2,032/mo
Today · 4.125%
HK$78,709
baseline
▲ 0.50% · 4.625%
HK$82,858
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,418/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,311
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,747
−HK$2,475/mo
Today · 4.125%
HK$83,222
baseline
▲ 0.50% · 4.625%
HK$88,285
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,444/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,120
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,457
−HK$2,370/mo
Today · 4.125%
HK$91,827
baseline
▲ 0.50% · 4.625%
HK$96,667
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,654/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,685
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,817
−HK$3,182/mo
Today · 4.125%
HK$106,999
baseline
▲ 0.50% · 4.625%
HK$113,510
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$213,998/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,011
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,016
−HK$3,047/mo
Today · 4.125%
HK$118,063
baseline
▲ 0.50% · 4.625%
HK$124,286
+HK$6,223/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,126/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,556 · Scale 2, in force from 26 Feb 2026)