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$55,840
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,765/mo
Today · 4.125%
HK$59,342
baseline
▲ 0.50% · 4.625%
HK$62,953
+HK$3,611/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,684/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,122
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,788
−HK$1,690/mo
Today · 4.125%
HK$65,478
baseline
▲ 0.50% · 4.625%
HK$68,929
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,956/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,008
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,093
−HK$2,117/mo
Today · 4.125%
HK$71,210
baseline
▲ 0.50% · 4.625%
HK$75,543
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,420/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,546
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,545
−HK$2,029/mo
Today · 4.125%
HK$78,574
baseline
▲ 0.50% · 4.625%
HK$82,715
+HK$4,141/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,148/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,176
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,608
−HK$2,471/mo
Today · 4.125%
HK$83,079
baseline
▲ 0.50% · 4.625%
HK$88,134
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,158/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,970
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,303
−HK$2,366/mo
Today · 4.125%
HK$91,669
baseline
▲ 0.50% · 4.625%
HK$96,501
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,338/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,512
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,639
−HK$3,176/mo
Today · 4.125%
HK$106,815
baseline
▲ 0.50% · 4.625%
HK$113,315
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,630/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,819
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,818
−HK$3,042/mo
Today · 4.125%
HK$117,860
baseline
▲ 0.50% · 4.625%
HK$124,073
+HK$6,213/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,720/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,765 · Scale 2, in force from 26 Feb 2026)