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$55,946
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,686
−HK$1,768/mo
Today · 4.125%
HK$59,454
baseline
▲ 0.50% · 4.625%
HK$63,072
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,908/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,239
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,908
−HK$1,694/mo
Today · 4.125%
HK$65,602
baseline
▲ 0.50% · 4.625%
HK$69,060
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,204/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,135
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,223
−HK$2,122/mo
Today · 4.125%
HK$71,345
baseline
▲ 0.50% · 4.625%
HK$75,686
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,690/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,687
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,690
−HK$2,032/mo
Today · 4.125%
HK$78,722
baseline
▲ 0.50% · 4.625%
HK$82,872
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,444/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,324
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,476/mo
Today · 4.125%
HK$83,236
baseline
▲ 0.50% · 4.625%
HK$88,300
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,472/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,135
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,472
−HK$2,370/mo
Today · 4.125%
HK$91,842
baseline
▲ 0.50% · 4.625%
HK$96,683
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,684/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,702
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,835
−HK$3,182/mo
Today · 4.125%
HK$107,017
baseline
▲ 0.50% · 4.625%
HK$113,529
+HK$6,512/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,034/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,030
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,035
−HK$3,048/mo
Today · 4.125%
HK$118,083
baseline
▲ 0.50% · 4.625%
HK$124,307
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,166/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,731 · Scale 2, in force from 26 Feb 2026)