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$55,755
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,489
−HK$1,762/mo
Today · 4.125%
HK$59,251
baseline
▲ 0.50% · 4.625%
HK$62,856
+HK$3,605/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,502/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,026
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,690
−HK$1,687/mo
Today · 4.125%
HK$65,377
baseline
▲ 0.50% · 4.625%
HK$68,824
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,754/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,905
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,987
−HK$2,114/mo
Today · 4.125%
HK$71,101
baseline
▲ 0.50% · 4.625%
HK$75,427
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,202/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,432
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,428
−HK$2,025/mo
Today · 4.125%
HK$78,453
baseline
▲ 0.50% · 4.625%
HK$82,588
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,906/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,056
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,484
−HK$2,467/mo
Today · 4.125%
HK$82,951
baseline
▲ 0.50% · 4.625%
HK$87,999
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,902/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,837
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,166
−HK$2,362/mo
Today · 4.125%
HK$91,528
baseline
▲ 0.50% · 4.625%
HK$96,353
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,056/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,358
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,480
−HK$3,172/mo
Today · 4.125%
HK$106,652
baseline
▲ 0.50% · 4.625%
HK$113,141
+HK$6,489/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,304/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,647
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,642
−HK$3,037/mo
Today · 4.125%
HK$117,679
baseline
▲ 0.50% · 4.625%
HK$123,882
+HK$6,203/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,358/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,168 · Scale 2, in force from 26 Feb 2026)