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$55,812
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,548
−HK$1,764/mo
Today · 4.125%
HK$59,312
baseline
▲ 0.50% · 4.625%
HK$62,921
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,624/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,091
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,756
−HK$1,689/mo
Today · 4.125%
HK$65,445
baseline
▲ 0.50% · 4.625%
HK$68,895
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,890/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,975
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,058
−HK$2,117/mo
Today · 4.125%
HK$71,175
baseline
▲ 0.50% · 4.625%
HK$75,506
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,350/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,509
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,507
−HK$2,027/mo
Today · 4.125%
HK$78,534
baseline
▲ 0.50% · 4.625%
HK$82,674
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,068/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,137
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,568
−HK$2,469/mo
Today · 4.125%
HK$83,037
baseline
▲ 0.50% · 4.625%
HK$88,090
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,074/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,927
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,258
−HK$2,365/mo
Today · 4.125%
HK$91,623
baseline
▲ 0.50% · 4.625%
HK$96,453
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,246/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,462
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,587
−HK$3,175/mo
Today · 4.125%
HK$106,762
baseline
▲ 0.50% · 4.625%
HK$113,258
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,524/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,763
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,761
−HK$3,040/mo
Today · 4.125%
HK$117,801
baseline
▲ 0.50% · 4.625%
HK$124,011
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,602/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,245 · Scale 2, in force from 26 Feb 2026)