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$55,798
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,533
−HK$1,763/mo
Today · 4.125%
HK$59,296
baseline
▲ 0.50% · 4.625%
HK$62,905
+HK$3,609/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,592/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,074
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,739
−HK$1,689/mo
Today · 4.125%
HK$65,428
baseline
▲ 0.50% · 4.625%
HK$68,877
+HK$3,449/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,856/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,957
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,040
−HK$2,116/mo
Today · 4.125%
HK$71,156
baseline
▲ 0.50% · 4.625%
HK$75,485
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,312/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,489
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,487
−HK$2,026/mo
Today · 4.125%
HK$78,513
baseline
▲ 0.50% · 4.625%
HK$82,652
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,026/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,117
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,546
−HK$2,469/mo
Today · 4.125%
HK$83,015
baseline
▲ 0.50% · 4.625%
HK$88,066
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,030/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,904
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,235
−HK$2,364/mo
Today · 4.125%
HK$91,599
baseline
▲ 0.50% · 4.625%
HK$96,427
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,198/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,436
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,560
−HK$3,174/mo
Today · 4.125%
HK$106,734
baseline
▲ 0.50% · 4.625%
HK$113,228
+HK$6,494/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,468/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,733
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,730
−HK$3,040/mo
Today · 4.125%
HK$117,770
baseline
▲ 0.50% · 4.625%
HK$123,978
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,540/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,969 · Scale 2, in force from 26 Feb 2026)