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$55,781
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,516
−HK$1,763/mo
Today · 4.125%
HK$59,279
baseline
▲ 0.50% · 4.625%
HK$62,886
+HK$3,607/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,558/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,056
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,720
−HK$1,689/mo
Today · 4.125%
HK$65,409
baseline
▲ 0.50% · 4.625%
HK$68,856
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,818/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,937
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,019
−HK$2,116/mo
Today · 4.125%
HK$71,135
baseline
▲ 0.50% · 4.625%
HK$75,463
+HK$4,328/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,270/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,467
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,464
−HK$2,026/mo
Today · 4.125%
HK$78,490
baseline
▲ 0.50% · 4.625%
HK$82,628
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$156,980/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,094
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,523
−HK$2,468/mo
Today · 4.125%
HK$82,991
baseline
▲ 0.50% · 4.625%
HK$88,040
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,982/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,878
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,208
−HK$2,364/mo
Today · 4.125%
HK$91,572
baseline
▲ 0.50% · 4.625%
HK$96,399
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,144/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,406
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,529
−HK$3,173/mo
Today · 4.125%
HK$106,702
baseline
▲ 0.50% · 4.625%
HK$113,195
+HK$6,493/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,404/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,701
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,696
−HK$3,039/mo
Today · 4.125%
HK$117,735
baseline
▲ 0.50% · 4.625%
HK$123,941
+HK$6,206/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,470/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,663 · Scale 2, in force from 26 Feb 2026)