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$55,935
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,675
−HK$1,768/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,616/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,227
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,896
−HK$1,693/mo
Today · 4.125%
HK$65,589
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,457/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,178/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,122
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,210
−HK$2,121/mo
Today · 4.125%
HK$71,331
baseline
▲ 0.50% · 4.625%
HK$75,671
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,662/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,672
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,675
−HK$2,032/mo
Today · 4.125%
HK$78,707
baseline
▲ 0.50% · 4.625%
HK$82,855
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,414/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,309
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,745
−HK$2,475/mo
Today · 4.125%
HK$83,220
baseline
▲ 0.50% · 4.625%
HK$88,283
+HK$5,063/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,440/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,118
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,454
−HK$2,371/mo
Today · 4.125%
HK$91,825
baseline
▲ 0.50% · 4.625%
HK$96,665
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,650/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,683
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,815
−HK$3,182/mo
Today · 4.125%
HK$106,997
baseline
▲ 0.50% · 4.625%
HK$113,507
+HK$6,510/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$213,994/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,009
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,013
−HK$3,047/mo
Today · 4.125%
HK$118,060
baseline
▲ 0.50% · 4.625%
HK$124,283
+HK$6,223/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,120/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,530 · Scale 2, in force from 26 Feb 2026)