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$55,809
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,545
−HK$1,763/mo
Today · 4.125%
HK$59,308
baseline
▲ 0.50% · 4.625%
HK$62,917
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,616/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,087
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,752
−HK$1,689/mo
Today · 4.125%
HK$65,441
baseline
▲ 0.50% · 4.625%
HK$68,890
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,882/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,970
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$2,116/mo
Today · 4.125%
HK$71,170
baseline
▲ 0.50% · 4.625%
HK$75,501
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,340/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,502
−HK$2,027/mo
Today · 4.125%
HK$78,529
baseline
▲ 0.50% · 4.625%
HK$82,669
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,058/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,132
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,563
−HK$2,469/mo
Today · 4.125%
HK$83,032
baseline
▲ 0.50% · 4.625%
HK$88,084
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,064/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,921
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,252
−HK$2,365/mo
Today · 4.125%
HK$91,617
baseline
▲ 0.50% · 4.625%
HK$96,447
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,234/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,456
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,580
−HK$3,175/mo
Today · 4.125%
HK$106,755
baseline
▲ 0.50% · 4.625%
HK$113,251
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,510/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,756
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,753
−HK$3,041/mo
Today · 4.125%
HK$117,794
baseline
▲ 0.50% · 4.625%
HK$124,003
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,588/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,177 · Scale 2, in force from 26 Feb 2026)