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$55,788
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,523
−HK$1,763/mo
Today · 4.125%
HK$59,286
baseline
▲ 0.50% · 4.625%
HK$62,894
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,572/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,064
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,728
−HK$1,689/mo
Today · 4.125%
HK$65,417
baseline
▲ 0.50% · 4.625%
HK$68,865
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,834/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,946
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,028
−HK$2,116/mo
Today · 4.125%
HK$71,144
baseline
▲ 0.50% · 4.625%
HK$75,473
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,288/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,476
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,474
−HK$2,026/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$82,638
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,103
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,533
−HK$2,468/mo
Today · 4.125%
HK$83,001
baseline
▲ 0.50% · 4.625%
HK$88,051
+HK$5,050/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,002/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,889
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,219
−HK$2,364/mo
Today · 4.125%
HK$91,583
baseline
▲ 0.50% · 4.625%
HK$96,411
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,166/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,419
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,542
−HK$3,174/mo
Today · 4.125%
HK$106,716
baseline
▲ 0.50% · 4.625%
HK$113,209
+HK$6,493/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,432/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,715
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,711
−HK$3,039/mo
Today · 4.125%
HK$117,750
baseline
▲ 0.50% · 4.625%
HK$123,957
+HK$6,207/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,500/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,793 · Scale 2, in force from 26 Feb 2026)