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$55,952
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,692
−HK$1,768/mo
Today · 4.125%
HK$59,460
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,920/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,246
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,915
−HK$1,694/mo
Today · 4.125%
HK$65,609
baseline
▲ 0.50% · 4.625%
HK$69,067
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,218/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,142
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,230
−HK$2,122/mo
Today · 4.125%
HK$71,352
baseline
▲ 0.50% · 4.625%
HK$75,694
+HK$4,342/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,704/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,695
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,698
−HK$2,032/mo
Today · 4.125%
HK$78,730
baseline
▲ 0.50% · 4.625%
HK$82,880
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,460/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,332
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,769
−HK$2,475/mo
Today · 4.125%
HK$83,244
baseline
▲ 0.50% · 4.625%
HK$88,310
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,488/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,144
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,481
−HK$2,371/mo
Today · 4.125%
HK$91,852
baseline
▲ 0.50% · 4.625%
HK$96,694
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,704/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,713
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,846
−HK$3,182/mo
Today · 4.125%
HK$107,028
baseline
▲ 0.50% · 4.625%
HK$113,541
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,056/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,042
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,047
−HK$3,048/mo
Today · 4.125%
HK$118,095
baseline
▲ 0.50% · 4.625%
HK$124,320
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,190/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,841 · Scale 2, in force from 26 Feb 2026)