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$55,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,712
−HK$1,769/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$63,100
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,267
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,937
−HK$1,694/mo
Today · 4.125%
HK$65,631
baseline
▲ 0.50% · 4.625%
HK$69,091
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,262/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,165
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,254
−HK$2,123/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,720
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,720
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,724
−HK$2,033/mo
Today · 4.125%
HK$78,757
baseline
▲ 0.50% · 4.625%
HK$82,909
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,514/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,359
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,797
−HK$2,476/mo
Today · 4.125%
HK$83,273
baseline
▲ 0.50% · 4.625%
HK$88,340
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,546/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,174
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,512
−HK$2,372/mo
Today · 4.125%
HK$91,884
baseline
▲ 0.50% · 4.625%
HK$96,727
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,768/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,747
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,881
−HK$3,184/mo
Today · 4.125%
HK$107,065
baseline
▲ 0.50% · 4.625%
HK$113,580
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,130/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,081
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,087
−HK$3,049/mo
Today · 4.125%
HK$118,136
baseline
▲ 0.50% · 4.625%
HK$124,363
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,272/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,199 · Scale 2, in force from 26 Feb 2026)