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$55,827
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,764/mo
Today · 4.125%
HK$59,328
baseline
▲ 0.50% · 4.625%
HK$62,938
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,656/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,107
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,773
−HK$1,689/mo
Today · 4.125%
HK$65,462
baseline
▲ 0.50% · 4.625%
HK$68,913
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,924/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,992
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,076
−HK$2,117/mo
Today · 4.125%
HK$71,193
baseline
▲ 0.50% · 4.625%
HK$75,525
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,386/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,528
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,527
−HK$2,028/mo
Today · 4.125%
HK$78,555
baseline
▲ 0.50% · 4.625%
HK$82,696
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,110/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,158
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,470/mo
Today · 4.125%
HK$83,059
baseline
▲ 0.50% · 4.625%
HK$88,113
+HK$5,054/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,118/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,950
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,282
−HK$2,365/mo
Today · 4.125%
HK$91,647
baseline
▲ 0.50% · 4.625%
HK$96,478
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,294/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,489
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,614
−HK$3,176/mo
Today · 4.125%
HK$106,790
baseline
▲ 0.50% · 4.625%
HK$113,288
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,580/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,793
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,791
−HK$3,041/mo
Today · 4.125%
HK$117,832
baseline
▲ 0.50% · 4.625%
HK$124,044
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,664/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,519 · Scale 2, in force from 26 Feb 2026)