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$55,942
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,682
−HK$1,768/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$63,067
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,234
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,693/mo
Today · 4.125%
HK$65,597
baseline
▲ 0.50% · 4.625%
HK$69,054
+HK$3,457/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,194/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,218
−HK$2,122/mo
Today · 4.125%
HK$71,340
baseline
▲ 0.50% · 4.625%
HK$75,680
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,680/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,681
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,684
−HK$2,032/mo
Today · 4.125%
HK$78,716
baseline
▲ 0.50% · 4.625%
HK$82,865
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,432/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,318
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,754
−HK$2,475/mo
Today · 4.125%
HK$83,229
baseline
▲ 0.50% · 4.625%
HK$88,294
+HK$5,065/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,458/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,128
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,465
−HK$2,370/mo
Today · 4.125%
HK$91,835
baseline
▲ 0.50% · 4.625%
HK$96,676
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,670/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,695
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,827
−HK$3,182/mo
Today · 4.125%
HK$107,009
baseline
▲ 0.50% · 4.625%
HK$113,521
+HK$6,512/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,018/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,022
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,026
−HK$3,048/mo
Today · 4.125%
HK$118,074
baseline
▲ 0.50% · 4.625%
HK$124,298
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,148/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,654 · Scale 2, in force from 26 Feb 2026)