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$55,575
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,304
−HK$1,756/mo
Today · 4.125%
HK$59,060
baseline
▲ 0.50% · 4.625%
HK$62,654
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,120/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,826
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,485
−HK$1,682/mo
Today · 4.125%
HK$65,167
baseline
▲ 0.50% · 4.625%
HK$68,602
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,334/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,690
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,764
−HK$2,108/mo
Today · 4.125%
HK$70,872
baseline
▲ 0.50% · 4.625%
HK$75,184
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,744/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,192
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,182
−HK$2,018/mo
Today · 4.125%
HK$78,200
baseline
▲ 0.50% · 4.625%
HK$82,322
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,400/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,805
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,225
−HK$2,459/mo
Today · 4.125%
HK$82,684
baseline
▲ 0.50% · 4.625%
HK$87,715
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,368/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,557
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,878
−HK$2,355/mo
Today · 4.125%
HK$91,233
baseline
▲ 0.50% · 4.625%
HK$96,043
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,466/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,035
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,146
−HK$3,162/mo
Today · 4.125%
HK$106,308
baseline
▲ 0.50% · 4.625%
HK$112,776
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,616/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,288
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,272
−HK$3,028/mo
Today · 4.125%
HK$117,300
baseline
▲ 0.50% · 4.625%
HK$123,483
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,600/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,819 · Scale 2, in force from 26 Feb 2026)