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$55,501
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,754/mo
Today · 4.125%
HK$58,982
baseline
▲ 0.50% · 4.625%
HK$62,571
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,964/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,745
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,401
−HK$1,680/mo
Today · 4.125%
HK$65,081
baseline
▲ 0.50% · 4.625%
HK$68,511
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,162/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,602
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,673
−HK$2,105/mo
Today · 4.125%
HK$70,778
baseline
▲ 0.50% · 4.625%
HK$75,085
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,556/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,094
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,081
−HK$2,016/mo
Today · 4.125%
HK$78,097
baseline
▲ 0.50% · 4.625%
HK$82,213
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,194/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,702
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,119
−HK$2,456/mo
Today · 4.125%
HK$82,575
baseline
▲ 0.50% · 4.625%
HK$87,599
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,150/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,443
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,761
−HK$2,352/mo
Today · 4.125%
HK$91,113
baseline
▲ 0.50% · 4.625%
HK$95,916
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,226/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,903
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$103,010
−HK$3,157/mo
Today · 4.125%
HK$106,167
baseline
▲ 0.50% · 4.625%
HK$112,627
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,334/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,141
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,121
−HK$3,024/mo
Today · 4.125%
HK$117,145
baseline
▲ 0.50% · 4.625%
HK$123,320
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,290/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,450 · Scale 2, in force from 26 Feb 2026)