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$55,903
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,641
−HK$1,767/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$63,023
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,191
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,859
−HK$1,692/mo
Today · 4.125%
HK$65,551
baseline
▲ 0.50% · 4.625%
HK$69,006
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,102/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,083
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,170
−HK$2,120/mo
Today · 4.125%
HK$71,290
baseline
▲ 0.50% · 4.625%
HK$75,628
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,580/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,629
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,631
−HK$2,030/mo
Today · 4.125%
HK$78,661
baseline
▲ 0.50% · 4.625%
HK$82,808
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,322/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,264
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,698
−HK$2,473/mo
Today · 4.125%
HK$83,171
baseline
▲ 0.50% · 4.625%
HK$88,232
+HK$5,061/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,342/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,067
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,403
−HK$2,368/mo
Today · 4.125%
HK$91,771
baseline
▲ 0.50% · 4.625%
HK$96,609
+HK$4,838/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,542/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,625
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,755
−HK$3,180/mo
Today · 4.125%
HK$106,935
baseline
▲ 0.50% · 4.625%
HK$113,441
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,870/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,944
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,946
−HK$3,046/mo
Today · 4.125%
HK$117,992
baseline
▲ 0.50% · 4.625%
HK$124,211
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,984/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,927 · Scale 2, in force from 26 Feb 2026)