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$55,782
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,517
−HK$1,763/mo
Today · 4.125%
HK$59,280
baseline
▲ 0.50% · 4.625%
HK$62,887
+HK$3,607/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,560/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,057
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,721
−HK$1,689/mo
Today · 4.125%
HK$65,410
baseline
▲ 0.50% · 4.625%
HK$68,857
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,820/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,938
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,020
−HK$2,116/mo
Today · 4.125%
HK$71,136
baseline
▲ 0.50% · 4.625%
HK$75,464
+HK$4,328/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,272/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,468
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,465
−HK$2,026/mo
Today · 4.125%
HK$78,491
baseline
▲ 0.50% · 4.625%
HK$82,629
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$156,982/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,095
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,524
−HK$2,468/mo
Today · 4.125%
HK$82,992
baseline
▲ 0.50% · 4.625%
HK$88,042
+HK$5,050/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,984/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,880
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,210
−HK$2,363/mo
Today · 4.125%
HK$91,573
baseline
▲ 0.50% · 4.625%
HK$96,400
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,146/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,407
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,531
−HK$3,173/mo
Today · 4.125%
HK$106,704
baseline
▲ 0.50% · 4.625%
HK$113,196
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,408/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,702
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,698
−HK$3,039/mo
Today · 4.125%
HK$117,737
baseline
▲ 0.50% · 4.625%
HK$123,943
+HK$6,206/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,474/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,677 · Scale 2, in force from 26 Feb 2026)