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$55,905
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,644
−HK$1,767/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$63,026
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,862
−HK$1,692/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,009
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,108/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,086
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,173
−HK$2,120/mo
Today · 4.125%
HK$71,293
baseline
▲ 0.50% · 4.625%
HK$75,631
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,586/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,633
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,634
−HK$2,031/mo
Today · 4.125%
HK$78,665
baseline
▲ 0.50% · 4.625%
HK$82,811
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,330/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,267
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,702
−HK$2,473/mo
Today · 4.125%
HK$83,175
baseline
▲ 0.50% · 4.625%
HK$88,236
+HK$5,061/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,350/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,071
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,407
−HK$2,369/mo
Today · 4.125%
HK$91,776
baseline
▲ 0.50% · 4.625%
HK$96,613
+HK$4,837/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,552/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,629
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,759
−HK$3,180/mo
Today · 4.125%
HK$106,939
baseline
▲ 0.50% · 4.625%
HK$113,446
+HK$6,507/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,878/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,949
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,951
−HK$3,046/mo
Today · 4.125%
HK$117,997
baseline
▲ 0.50% · 4.625%
HK$124,217
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$235,994/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,974 · Scale 2, in force from 26 Feb 2026)