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$55,520
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,247
−HK$1,754/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,765
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,422
−HK$1,680/mo
Today · 4.125%
HK$65,102
baseline
▲ 0.50% · 4.625%
HK$68,534
+HK$3,432/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,204/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,624
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,696
−HK$2,106/mo
Today · 4.125%
HK$70,802
baseline
▲ 0.50% · 4.625%
HK$75,110
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,604/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,118
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,106
−HK$2,016/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,240
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,728
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,145
−HK$2,457/mo
Today · 4.125%
HK$82,602
baseline
▲ 0.50% · 4.625%
HK$87,628
+HK$5,026/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,204/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,471
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,790
−HK$2,353/mo
Today · 4.125%
HK$91,143
baseline
▲ 0.50% · 4.625%
HK$95,947
+HK$4,804/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,286/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,935
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,044
−HK$3,158/mo
Today · 4.125%
HK$106,202
baseline
▲ 0.50% · 4.625%
HK$112,664
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,404/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,177
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,159
−HK$3,025/mo
Today · 4.125%
HK$117,184
baseline
▲ 0.50% · 4.625%
HK$123,361
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,368/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,791 · Scale 2, in force from 26 Feb 2026)