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$55,895
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,634
−HK$1,766/mo
Today · 4.125%
HK$59,400
baseline
▲ 0.50% · 4.625%
HK$63,015
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,800/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,183
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,850
−HK$1,692/mo
Today · 4.125%
HK$65,542
baseline
▲ 0.50% · 4.625%
HK$68,997
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,084/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,074
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,161
−HK$2,119/mo
Today · 4.125%
HK$71,280
baseline
▲ 0.50% · 4.625%
HK$75,618
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,560/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,619
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,621
−HK$2,030/mo
Today · 4.125%
HK$78,651
baseline
▲ 0.50% · 4.625%
HK$82,797
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,302/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,253
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,687
−HK$2,473/mo
Today · 4.125%
HK$83,160
baseline
▲ 0.50% · 4.625%
HK$88,220
+HK$5,060/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,320/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,056
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,391
−HK$2,368/mo
Today · 4.125%
HK$91,759
baseline
▲ 0.50% · 4.625%
HK$96,596
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,518/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,611
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,741
−HK$3,179/mo
Today · 4.125%
HK$106,920
baseline
▲ 0.50% · 4.625%
HK$113,426
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,840/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,929
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,931
−HK$3,045/mo
Today · 4.125%
HK$117,976
baseline
▲ 0.50% · 4.625%
HK$124,195
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,952/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,788 · Scale 2, in force from 26 Feb 2026)