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$55,778
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,513
−HK$1,763/mo
Today · 4.125%
HK$59,276
baseline
▲ 0.50% · 4.625%
HK$62,883
+HK$3,607/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,552/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,053
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,717
−HK$1,688/mo
Today · 4.125%
HK$65,405
baseline
▲ 0.50% · 4.625%
HK$68,853
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,810/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,934
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,016
−HK$2,115/mo
Today · 4.125%
HK$71,131
baseline
▲ 0.50% · 4.625%
HK$75,460
+HK$4,329/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,262/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,463
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,460
−HK$2,026/mo
Today · 4.125%
HK$78,486
baseline
▲ 0.50% · 4.625%
HK$82,624
+HK$4,138/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,972/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,090
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,519
−HK$2,468/mo
Today · 4.125%
HK$82,987
baseline
▲ 0.50% · 4.625%
HK$88,036
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,974/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,874
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,204
−HK$2,364/mo
Today · 4.125%
HK$91,568
baseline
▲ 0.50% · 4.625%
HK$96,394
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,136/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,401
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,524
−HK$3,173/mo
Today · 4.125%
HK$106,697
baseline
▲ 0.50% · 4.625%
HK$113,189
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,394/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,695
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,691
−HK$3,039/mo
Today · 4.125%
HK$117,730
baseline
▲ 0.50% · 4.625%
HK$123,935
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,460/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,612 · Scale 2, in force from 26 Feb 2026)