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$55,520
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,247
−HK$1,755/mo
Today · 4.125%
HK$59,002
baseline
▲ 0.50% · 4.625%
HK$62,592
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,004/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,766
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,423
−HK$1,680/mo
Today · 4.125%
HK$65,103
baseline
▲ 0.50% · 4.625%
HK$68,535
+HK$3,432/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,206/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,625
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,697
−HK$2,106/mo
Today · 4.125%
HK$70,803
baseline
▲ 0.50% · 4.625%
HK$75,111
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,606/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,119
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,107
−HK$2,017/mo
Today · 4.125%
HK$78,124
baseline
▲ 0.50% · 4.625%
HK$82,242
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,248/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,729
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,146
−HK$2,457/mo
Today · 4.125%
HK$82,603
baseline
▲ 0.50% · 4.625%
HK$87,629
+HK$5,026/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,206/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,472
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,792
−HK$2,352/mo
Today · 4.125%
HK$91,144
baseline
▲ 0.50% · 4.625%
HK$95,949
+HK$4,805/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,288/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,937
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,045
−HK$3,159/mo
Today · 4.125%
HK$106,204
baseline
▲ 0.50% · 4.625%
HK$112,666
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,408/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,179
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,161
−HK$3,024/mo
Today · 4.125%
HK$117,185
baseline
▲ 0.50% · 4.625%
HK$123,362
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,370/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,805 · Scale 2, in force from 26 Feb 2026)