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$55,820
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,556
−HK$1,764/mo
Today · 4.125%
HK$59,320
baseline
▲ 0.50% · 4.625%
HK$62,930
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,640/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,765
−HK$1,689/mo
Today · 4.125%
HK$65,454
baseline
▲ 0.50% · 4.625%
HK$68,904
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,908/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,984
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,068
−HK$2,117/mo
Today · 4.125%
HK$71,185
baseline
▲ 0.50% · 4.625%
HK$75,516
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,370/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,519
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,518
−HK$2,027/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$82,685
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,148
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,579
−HK$2,470/mo
Today · 4.125%
HK$83,049
baseline
▲ 0.50% · 4.625%
HK$88,102
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,098/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,939
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,271
−HK$2,365/mo
Today · 4.125%
HK$91,636
baseline
▲ 0.50% · 4.625%
HK$96,466
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,272/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,476
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,601
−HK$3,176/mo
Today · 4.125%
HK$106,777
baseline
▲ 0.50% · 4.625%
HK$113,274
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,554/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,779
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,776
−HK$3,042/mo
Today · 4.125%
HK$117,818
baseline
▲ 0.50% · 4.625%
HK$124,028
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,636/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,388 · Scale 2, in force from 26 Feb 2026)