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$55,577
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,306
−HK$1,757/mo
Today · 4.125%
HK$59,063
baseline
▲ 0.50% · 4.625%
HK$62,656
+HK$3,593/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,126/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,829
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,488
−HK$1,682/mo
Today · 4.125%
HK$65,170
baseline
▲ 0.50% · 4.625%
HK$68,605
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,340/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,693
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,767
−HK$2,108/mo
Today · 4.125%
HK$70,875
baseline
▲ 0.50% · 4.625%
HK$75,188
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,750/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,195
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,185
−HK$2,019/mo
Today · 4.125%
HK$78,204
baseline
▲ 0.50% · 4.625%
HK$82,326
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,408/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,808
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,229
−HK$2,459/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,719
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,376/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,561
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,883
−HK$2,355/mo
Today · 4.125%
HK$91,238
baseline
▲ 0.50% · 4.625%
HK$96,047
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,476/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,039
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,151
−HK$3,162/mo
Today · 4.125%
HK$106,313
baseline
▲ 0.50% · 4.625%
HK$112,782
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,626/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,293
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,278
−HK$3,028/mo
Today · 4.125%
HK$117,306
baseline
▲ 0.50% · 4.625%
HK$123,489
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,612/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,867 · Scale 2, in force from 26 Feb 2026)