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$55,822
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,559
−HK$1,764/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,932
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,102
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,767
−HK$1,690/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$68,907
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,987
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,070
−HK$2,117/mo
Today · 4.125%
HK$71,187
baseline
▲ 0.50% · 4.625%
HK$75,519
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,374/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,522
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,521
−HK$2,027/mo
Today · 4.125%
HK$78,548
baseline
▲ 0.50% · 4.625%
HK$82,689
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,096/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,151
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,582
−HK$2,470/mo
Today · 4.125%
HK$83,052
baseline
▲ 0.50% · 4.625%
HK$88,105
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,104/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,942
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,274
−HK$2,366/mo
Today · 4.125%
HK$91,640
baseline
▲ 0.50% · 4.625%
HK$96,470
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,280/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,480
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,606
−HK$3,175/mo
Today · 4.125%
HK$106,781
baseline
▲ 0.50% · 4.625%
HK$113,278
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,562/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,783
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,781
−HK$3,041/mo
Today · 4.125%
HK$117,822
baseline
▲ 0.50% · 4.625%
HK$124,033
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,644/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,431 · Scale 2, in force from 26 Feb 2026)