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$55,529
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,256
−HK$1,755/mo
Today · 4.125%
HK$59,011
baseline
▲ 0.50% · 4.625%
HK$62,601
+HK$3,590/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,022/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,775
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,432
−HK$1,681/mo
Today · 4.125%
HK$65,113
baseline
▲ 0.50% · 4.625%
HK$68,545
+HK$3,432/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,226/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,634
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,707
−HK$2,106/mo
Today · 4.125%
HK$70,813
baseline
▲ 0.50% · 4.625%
HK$75,122
+HK$4,309/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,626/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,130
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,118
−HK$2,017/mo
Today · 4.125%
HK$78,135
baseline
▲ 0.50% · 4.625%
HK$82,254
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,270/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,740
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,158
−HK$2,457/mo
Today · 4.125%
HK$82,615
baseline
▲ 0.50% · 4.625%
HK$87,642
+HK$5,027/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,230/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,485
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,805
−HK$2,353/mo
Today · 4.125%
HK$91,158
baseline
▲ 0.50% · 4.625%
HK$95,963
+HK$4,805/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,316/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,952
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,061
−HK$3,158/mo
Today · 4.125%
HK$106,219
baseline
▲ 0.50% · 4.625%
HK$112,683
+HK$6,464/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,438/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,195
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,177
−HK$3,026/mo
Today · 4.125%
HK$117,203
baseline
▲ 0.50% · 4.625%
HK$123,381
+HK$6,178/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,406/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,958 · Scale 2, in force from 26 Feb 2026)