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$55,948
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,688
−HK$1,768/mo
Today · 4.125%
HK$59,456
baseline
▲ 0.50% · 4.625%
HK$63,074
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,912/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,242
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,911
−HK$1,693/mo
Today · 4.125%
HK$65,604
baseline
▲ 0.50% · 4.625%
HK$69,062
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,208/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,138
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,226
−HK$2,122/mo
Today · 4.125%
HK$71,348
baseline
▲ 0.50% · 4.625%
HK$75,689
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,696/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,690
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,693
−HK$2,032/mo
Today · 4.125%
HK$78,725
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,450/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,327
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,764
−HK$2,475/mo
Today · 4.125%
HK$83,239
baseline
▲ 0.50% · 4.625%
HK$88,304
+HK$5,065/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,478/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,138
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,475
−HK$2,371/mo
Today · 4.125%
HK$91,846
baseline
▲ 0.50% · 4.625%
HK$96,687
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,692/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,706
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,839
−HK$3,183/mo
Today · 4.125%
HK$107,022
baseline
▲ 0.50% · 4.625%
HK$113,534
+HK$6,512/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,044/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,035
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,040
−HK$3,048/mo
Today · 4.125%
HK$118,088
baseline
▲ 0.50% · 4.625%
HK$124,312
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,176/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,774 · Scale 2, in force from 26 Feb 2026)