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$55,582
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,310
−HK$1,757/mo
Today · 4.125%
HK$59,067
baseline
▲ 0.50% · 4.625%
HK$62,661
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,134/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,834
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,492
−HK$1,683/mo
Today · 4.125%
HK$65,175
baseline
▲ 0.50% · 4.625%
HK$68,610
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,350/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,698
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$2,107/mo
Today · 4.125%
HK$70,880
baseline
▲ 0.50% · 4.625%
HK$75,193
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,760/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,201
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,191
−HK$2,019/mo
Today · 4.125%
HK$78,210
baseline
▲ 0.50% · 4.625%
HK$82,332
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,420/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,814
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,459/mo
Today · 4.125%
HK$82,694
baseline
▲ 0.50% · 4.625%
HK$87,726
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,388/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,568
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,889
−HK$2,355/mo
Today · 4.125%
HK$91,244
baseline
▲ 0.50% · 4.625%
HK$96,054
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,488/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,047
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,159
−HK$3,162/mo
Today · 4.125%
HK$106,321
baseline
▲ 0.50% · 4.625%
HK$112,790
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,642/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,301
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,286
−HK$3,028/mo
Today · 4.125%
HK$117,314
baseline
▲ 0.50% · 4.625%
HK$123,498
+HK$6,184/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,628/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,944 · Scale 2, in force from 26 Feb 2026)