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$3,482/mo
▼ 0.25% · 3.875%
HK$57,245
−HK$1,755/mo
Today · 4.125%
HK$59,000
baseline
▲ 0.50% · 4.625%
HK$62,590
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,000/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,764
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,420
−HK$1,681/mo
Today · 4.125%
HK$65,101
baseline
▲ 0.50% · 4.625%
HK$68,532
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,202/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,622
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,694
−HK$2,106/mo
Today · 4.125%
HK$70,800
baseline
▲ 0.50% · 4.625%
HK$75,108
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,600/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,116
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,104
−HK$2,017/mo
Today · 4.125%
HK$78,121
baseline
▲ 0.50% · 4.625%
HK$82,239
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,242/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,726
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,143
−HK$2,457/mo
Today · 4.125%
HK$82,600
baseline
▲ 0.50% · 4.625%
HK$87,626
+HK$5,026/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,200/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,469
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,788
−HK$2,353/mo
Today · 4.125%
HK$91,141
baseline
▲ 0.50% · 4.625%
HK$95,945
+HK$4,804/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,282/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,933
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,042
−HK$3,158/mo
Today · 4.125%
HK$106,200
baseline
▲ 0.50% · 4.625%
HK$112,662
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,400/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,175
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,156
−HK$3,025/mo
Today · 4.125%
HK$117,181
baseline
▲ 0.50% · 4.625%
HK$123,358
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,362/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,766 · Scale 2, in force from 26 Feb 2026)