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$55,770
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,504
−HK$1,763/mo
Today · 4.125%
HK$59,267
baseline
▲ 0.50% · 4.625%
HK$62,873
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,534/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,043
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,707
−HK$1,688/mo
Today · 4.125%
HK$65,395
baseline
▲ 0.50% · 4.625%
HK$68,842
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,790/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,924
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,005
−HK$2,115/mo
Today · 4.125%
HK$71,120
baseline
▲ 0.50% · 4.625%
HK$75,448
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,240/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,452
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,449
−HK$2,025/mo
Today · 4.125%
HK$78,474
baseline
▲ 0.50% · 4.625%
HK$82,611
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,948/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,078
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,506
−HK$2,468/mo
Today · 4.125%
HK$82,974
baseline
▲ 0.50% · 4.625%
HK$88,023
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,948/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,861
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,190
−HK$2,363/mo
Today · 4.125%
HK$91,553
baseline
▲ 0.50% · 4.625%
HK$96,379
+HK$4,826/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,106/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,386
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,508
−HK$3,173/mo
Today · 4.125%
HK$106,681
baseline
▲ 0.50% · 4.625%
HK$113,172
+HK$6,491/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,362/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,678
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,673
−HK$3,038/mo
Today · 4.125%
HK$117,711
baseline
▲ 0.50% · 4.625%
HK$123,916
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,422/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,451 · Scale 2, in force from 26 Feb 2026)