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$55,526
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,253
−HK$1,755/mo
Today · 4.125%
HK$59,008
baseline
▲ 0.50% · 4.625%
HK$62,598
+HK$3,590/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,016/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,772
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,429
−HK$1,680/mo
Today · 4.125%
HK$65,109
baseline
▲ 0.50% · 4.625%
HK$68,541
+HK$3,432/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,218/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,631
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,704
−HK$2,105/mo
Today · 4.125%
HK$70,809
baseline
▲ 0.50% · 4.625%
HK$75,118
+HK$4,309/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,618/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,126
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,114
−HK$2,017/mo
Today · 4.125%
HK$78,131
baseline
▲ 0.50% · 4.625%
HK$82,250
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,262/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,736
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,154
−HK$2,457/mo
Today · 4.125%
HK$82,611
baseline
▲ 0.50% · 4.625%
HK$87,638
+HK$5,027/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,222/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,481
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,800
−HK$2,353/mo
Today · 4.125%
HK$91,153
baseline
▲ 0.50% · 4.625%
HK$95,958
+HK$4,805/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,306/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,946
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,055
−HK$3,159/mo
Today · 4.125%
HK$106,214
baseline
▲ 0.50% · 4.625%
HK$112,677
+HK$6,463/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,428/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,189
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,171
−HK$3,026/mo
Today · 4.125%
HK$117,197
baseline
▲ 0.50% · 4.625%
HK$123,374
+HK$6,177/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,394/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,905 · Scale 2, in force from 26 Feb 2026)