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$55,902
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,641
−HK$1,767/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$63,022
+HK$3,614/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,191
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,858
−HK$1,692/mo
Today · 4.125%
HK$65,550
baseline
▲ 0.50% · 4.625%
HK$69,006
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,100/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,083
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,169
−HK$2,120/mo
Today · 4.125%
HK$71,289
baseline
▲ 0.50% · 4.625%
HK$75,627
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,578/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,629
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,630
−HK$2,031/mo
Today · 4.125%
HK$78,661
baseline
▲ 0.50% · 4.625%
HK$82,807
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,322/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,263
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,697
−HK$2,474/mo
Today · 4.125%
HK$83,171
baseline
▲ 0.50% · 4.625%
HK$88,231
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,342/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,067
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,402
−HK$2,369/mo
Today · 4.125%
HK$91,771
baseline
▲ 0.50% · 4.625%
HK$96,608
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,542/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,624
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,754
−HK$3,180/mo
Today · 4.125%
HK$106,934
baseline
▲ 0.50% · 4.625%
HK$113,440
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,868/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,943
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,945
−HK$3,046/mo
Today · 4.125%
HK$117,991
baseline
▲ 0.50% · 4.625%
HK$124,210
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,982/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,918 · Scale 2, in force from 26 Feb 2026)