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$55,574
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,303
−HK$1,756/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,653
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,826
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,484
−HK$1,682/mo
Today · 4.125%
HK$65,166
baseline
▲ 0.50% · 4.625%
HK$68,601
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,332/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,689
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,763
−HK$2,108/mo
Today · 4.125%
HK$70,871
baseline
▲ 0.50% · 4.625%
HK$75,183
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,742/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,191
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,181
−HK$2,018/mo
Today · 4.125%
HK$78,199
baseline
▲ 0.50% · 4.625%
HK$82,321
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,398/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,804
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,224
−HK$2,459/mo
Today · 4.125%
HK$82,683
baseline
▲ 0.50% · 4.625%
HK$87,714
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,366/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,556
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,877
−HK$2,355/mo
Today · 4.125%
HK$91,232
baseline
▲ 0.50% · 4.625%
HK$96,041
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,464/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,034
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,145
−HK$3,162/mo
Today · 4.125%
HK$106,307
baseline
▲ 0.50% · 4.625%
HK$112,775
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$212,614/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,286
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,271
−HK$3,028/mo
Today · 4.125%
HK$117,299
baseline
▲ 0.50% · 4.625%
HK$123,482
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.93M · min. income ≈ HK$234,598/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,807 · Scale 2, in force from 26 Feb 2026)