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$55,769
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,503
−HK$1,763/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,872
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,042
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,688/mo
Today · 4.125%
HK$65,394
baseline
▲ 0.50% · 4.625%
HK$68,841
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,788/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,922
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,004
−HK$2,115/mo
Today · 4.125%
HK$71,119
baseline
▲ 0.50% · 4.625%
HK$75,446
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,238/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,450
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,447
−HK$2,026/mo
Today · 4.125%
HK$78,473
baseline
▲ 0.50% · 4.625%
HK$82,609
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,946/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,076
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,505
−HK$2,467/mo
Today · 4.125%
HK$82,972
baseline
▲ 0.50% · 4.625%
HK$88,021
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,944/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,859
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,188
−HK$2,363/mo
Today · 4.125%
HK$91,551
baseline
▲ 0.50% · 4.625%
HK$96,377
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,102/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,383
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,506
−HK$3,172/mo
Today · 4.125%
HK$106,678
baseline
▲ 0.50% · 4.625%
HK$113,169
+HK$6,491/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,356/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,675
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,671
−HK$3,038/mo
Today · 4.125%
HK$117,709
baseline
▲ 0.50% · 4.625%
HK$123,914
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,418/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,429 · Scale 2, in force from 26 Feb 2026)