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$55,810
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,546
−HK$1,764/mo
Today · 4.125%
HK$59,310
baseline
▲ 0.50% · 4.625%
HK$62,919
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,620/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,089
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,754
−HK$1,689/mo
Today · 4.125%
HK$65,443
baseline
▲ 0.50% · 4.625%
HK$68,893
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,886/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,973
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,056
−HK$2,116/mo
Today · 4.125%
HK$71,172
baseline
▲ 0.50% · 4.625%
HK$75,503
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,344/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,506
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,504
−HK$2,028/mo
Today · 4.125%
HK$78,532
baseline
▲ 0.50% · 4.625%
HK$82,671
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,064/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,135
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,565
−HK$2,469/mo
Today · 4.125%
HK$83,034
baseline
▲ 0.50% · 4.625%
HK$88,087
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,068/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,924
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,255
−HK$2,365/mo
Today · 4.125%
HK$91,620
baseline
▲ 0.50% · 4.625%
HK$96,450
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,240/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,459
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,584
−HK$3,174/mo
Today · 4.125%
HK$106,758
baseline
▲ 0.50% · 4.625%
HK$113,254
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,516/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,759
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,757
−HK$3,040/mo
Today · 4.125%
HK$117,797
baseline
▲ 0.50% · 4.625%
HK$124,007
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,594/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,210 · Scale 2, in force from 26 Feb 2026)