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$55,518
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,244
−HK$1,755/mo
Today · 4.125%
HK$58,999
baseline
▲ 0.50% · 4.625%
HK$62,589
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,998/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,763
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,419
−HK$1,681/mo
Today · 4.125%
HK$65,100
baseline
▲ 0.50% · 4.625%
HK$68,531
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,200/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,621
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$2,106/mo
Today · 4.125%
HK$70,799
baseline
▲ 0.50% · 4.625%
HK$75,107
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,598/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,115
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,103
−HK$2,016/mo
Today · 4.125%
HK$78,119
baseline
▲ 0.50% · 4.625%
HK$82,237
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,238/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,725
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,142
−HK$2,457/mo
Today · 4.125%
HK$82,599
baseline
▲ 0.50% · 4.625%
HK$87,624
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,198/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,468
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,787
−HK$2,352/mo
Today · 4.125%
HK$91,139
baseline
▲ 0.50% · 4.625%
HK$95,943
+HK$4,804/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,278/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,932
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,040
−HK$3,158/mo
Today · 4.125%
HK$106,198
baseline
▲ 0.50% · 4.625%
HK$112,660
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,396/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,173
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,154
−HK$3,025/mo
Today · 4.125%
HK$117,179
baseline
▲ 0.50% · 4.625%
HK$123,356
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,358/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,750 · Scale 2, in force from 26 Feb 2026)