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$55,836
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,573
−HK$1,764/mo
Today · 4.125%
HK$59,337
baseline
▲ 0.50% · 4.625%
HK$62,948
+HK$3,611/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,674/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,117
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,783
−HK$1,690/mo
Today · 4.125%
HK$65,473
baseline
▲ 0.50% · 4.625%
HK$68,924
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,946/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,003
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,087
−HK$2,118/mo
Today · 4.125%
HK$71,205
baseline
▲ 0.50% · 4.625%
HK$75,537
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,410/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,540
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,539
−HK$2,028/mo
Today · 4.125%
HK$78,567
baseline
▲ 0.50% · 4.625%
HK$82,709
+HK$4,142/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,134/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,170
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,602
−HK$2,470/mo
Today · 4.125%
HK$83,072
baseline
▲ 0.50% · 4.625%
HK$88,127
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,144/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,964
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,296
−HK$2,366/mo
Today · 4.125%
HK$91,662
baseline
▲ 0.50% · 4.625%
HK$96,494
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,324/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,505
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,631
−HK$3,176/mo
Today · 4.125%
HK$106,807
baseline
▲ 0.50% · 4.625%
HK$113,306
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,614/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,810
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,809
−HK$3,042/mo
Today · 4.125%
HK$117,851
baseline
▲ 0.50% · 4.625%
HK$124,063
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,702/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,684 · Scale 2, in force from 26 Feb 2026)