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$55,813
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,549
−HK$1,764/mo
Today · 4.125%
HK$59,313
baseline
▲ 0.50% · 4.625%
HK$62,922
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,626/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,091
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,757
−HK$1,689/mo
Today · 4.125%
HK$65,446
baseline
▲ 0.50% · 4.625%
HK$68,896
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,892/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,976
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,059
−HK$2,117/mo
Today · 4.125%
HK$71,176
baseline
▲ 0.50% · 4.625%
HK$75,507
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,352/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,510
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,508
−HK$2,027/mo
Today · 4.125%
HK$78,535
baseline
▲ 0.50% · 4.625%
HK$82,675
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,070/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,138
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,569
−HK$2,469/mo
Today · 4.125%
HK$83,038
baseline
▲ 0.50% · 4.625%
HK$88,091
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,076/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,928
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,259
−HK$2,366/mo
Today · 4.125%
HK$91,625
baseline
▲ 0.50% · 4.625%
HK$96,454
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,250/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,464
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,588
−HK$3,175/mo
Today · 4.125%
HK$106,763
baseline
▲ 0.50% · 4.625%
HK$113,260
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,526/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,765
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,762
−HK$3,041/mo
Today · 4.125%
HK$117,803
baseline
▲ 0.50% · 4.625%
HK$124,013
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,606/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,259 · Scale 2, in force from 26 Feb 2026)