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$55,771
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,506
−HK$1,762/mo
Today · 4.125%
HK$59,268
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,607/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,536/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,045
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,688/mo
Today · 4.125%
HK$65,397
baseline
▲ 0.50% · 4.625%
HK$68,844
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,794/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,925
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,007
−HK$2,115/mo
Today · 4.125%
HK$71,122
baseline
▲ 0.50% · 4.625%
HK$75,450
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,244/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,454
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,450
−HK$2,026/mo
Today · 4.125%
HK$78,476
baseline
▲ 0.50% · 4.625%
HK$82,613
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,952/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,079
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,508
−HK$2,468/mo
Today · 4.125%
HK$82,976
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,952/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,863
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,192
−HK$2,364/mo
Today · 4.125%
HK$91,556
baseline
▲ 0.50% · 4.625%
HK$96,382
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,112/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,388
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,511
−HK$3,172/mo
Today · 4.125%
HK$106,683
baseline
▲ 0.50% · 4.625%
HK$113,175
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,366/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,681
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,676
−HK$3,038/mo
Today · 4.125%
HK$117,714
baseline
▲ 0.50% · 4.625%
HK$123,919
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,428/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,476 · Scale 2, in force from 26 Feb 2026)