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$55,627
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,357
−HK$1,758/mo
Today · 4.125%
HK$59,115
baseline
▲ 0.50% · 4.625%
HK$62,712
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,230/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,884
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,544
−HK$1,684/mo
Today · 4.125%
HK$65,228
baseline
▲ 0.50% · 4.625%
HK$68,666
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,456/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,752
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$2,109/mo
Today · 4.125%
HK$70,938
baseline
▲ 0.50% · 4.625%
HK$75,255
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,876/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,261
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,253
−HK$2,020/mo
Today · 4.125%
HK$78,273
baseline
▲ 0.50% · 4.625%
HK$82,399
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,546/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,878
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,300
−HK$2,461/mo
Today · 4.125%
HK$82,761
baseline
▲ 0.50% · 4.625%
HK$87,797
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,522/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,638
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,962
−HK$2,357/mo
Today · 4.125%
HK$91,319
baseline
▲ 0.50% · 4.625%
HK$96,132
+HK$4,813/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,638/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,128
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,243
−HK$3,164/mo
Today · 4.125%
HK$106,407
baseline
▲ 0.50% · 4.625%
HK$112,882
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,814/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,392
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$114,379
−HK$3,031/mo
Today · 4.125%
HK$117,410
baseline
▲ 0.50% · 4.625%
HK$123,599
+HK$6,189/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,820/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,788 · Scale 2, in force from 26 Feb 2026)