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$55,847
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,584
−HK$1,765/mo
Today · 4.125%
HK$59,349
baseline
▲ 0.50% · 4.625%
HK$62,960
+HK$3,611/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,698/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,129
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,795
−HK$1,691/mo
Today · 4.125%
HK$65,486
baseline
▲ 0.50% · 4.625%
HK$68,938
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,972/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,016
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,101
−HK$2,118/mo
Today · 4.125%
HK$71,219
baseline
▲ 0.50% · 4.625%
HK$75,552
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,438/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,555
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,554
−HK$2,029/mo
Today · 4.125%
HK$78,583
baseline
▲ 0.50% · 4.625%
HK$82,725
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,166/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,186
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,618
−HK$2,471/mo
Today · 4.125%
HK$83,089
baseline
▲ 0.50% · 4.625%
HK$88,144
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,178/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,981
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,313
−HK$2,367/mo
Today · 4.125%
HK$91,680
baseline
▲ 0.50% · 4.625%
HK$96,513
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,360/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,524
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,651
−HK$3,177/mo
Today · 4.125%
HK$106,828
baseline
▲ 0.50% · 4.625%
HK$113,328
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,656/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,832
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,832
−HK$3,042/mo
Today · 4.125%
HK$117,874
baseline
▲ 0.50% · 4.625%
HK$124,088
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,748/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,888 · Scale 2, in force from 26 Feb 2026)