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$55,960
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,700
−HK$1,769/mo
Today · 4.125%
HK$59,469
baseline
▲ 0.50% · 4.625%
HK$63,087
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,938/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,255
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,924
−HK$1,694/mo
Today · 4.125%
HK$65,618
baseline
▲ 0.50% · 4.625%
HK$69,077
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,236/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,240
−HK$2,123/mo
Today · 4.125%
HK$71,363
baseline
▲ 0.50% · 4.625%
HK$75,705
+HK$4,342/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,726/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,706
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,709
−HK$2,033/mo
Today · 4.125%
HK$78,742
baseline
▲ 0.50% · 4.625%
HK$82,892
+HK$4,150/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,484/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,344
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,781
−HK$2,475/mo
Today · 4.125%
HK$83,256
baseline
▲ 0.50% · 4.625%
HK$88,322
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,512/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,156
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,494
−HK$2,371/mo
Today · 4.125%
HK$91,865
baseline
▲ 0.50% · 4.625%
HK$96,708
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,730/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,728
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,861
−HK$3,183/mo
Today · 4.125%
HK$107,044
baseline
▲ 0.50% · 4.625%
HK$113,557
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,088/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,058
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,064
−HK$3,049/mo
Today · 4.125%
HK$118,113
baseline
▲ 0.50% · 4.625%
HK$124,338
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,226/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,992 · Scale 2, in force from 26 Feb 2026)