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$55,960
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,701
−HK$1,769/mo
Today · 4.125%
HK$59,470
baseline
▲ 0.50% · 4.625%
HK$63,088
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,940/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,255
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,925
−HK$1,694/mo
Today · 4.125%
HK$65,619
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,238/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,153
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,241
−HK$2,123/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,706
+HK$4,342/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,707
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,710
−HK$2,033/mo
Today · 4.125%
HK$78,743
baseline
▲ 0.50% · 4.625%
HK$82,893
+HK$4,150/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,486/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,345
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,782
−HK$2,476/mo
Today · 4.125%
HK$83,258
baseline
▲ 0.50% · 4.625%
HK$88,324
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,516/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,158
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,495
−HK$2,371/mo
Today · 4.125%
HK$91,866
baseline
▲ 0.50% · 4.625%
HK$96,709
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,732/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,729
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,862
−HK$3,183/mo
Today · 4.125%
HK$107,045
baseline
▲ 0.50% · 4.625%
HK$113,559
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,090/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,060
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,065
−HK$3,049/mo
Today · 4.125%
HK$118,114
baseline
▲ 0.50% · 4.625%
HK$124,340
+HK$6,226/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,228/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,006 · Scale 2, in force from 26 Feb 2026)