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$55,474
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,200
−HK$1,753/mo
Today · 4.125%
HK$58,953
baseline
▲ 0.50% · 4.625%
HK$62,540
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,906/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,715
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,679/mo
Today · 4.125%
HK$65,049
baseline
▲ 0.50% · 4.625%
HK$68,478
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,098/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,569
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,640
−HK$2,104/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$75,048
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,058
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,044
−HK$2,015/mo
Today · 4.125%
HK$78,059
baseline
▲ 0.50% · 4.625%
HK$82,173
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,118/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,664
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,455/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,401
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,718
−HK$2,351/mo
Today · 4.125%
HK$91,069
baseline
▲ 0.50% · 4.625%
HK$95,869
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,138/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,854
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,960
−HK$3,156/mo
Today · 4.125%
HK$106,116
baseline
▲ 0.50% · 4.625%
HK$112,573
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,232/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,087
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,066
−HK$3,022/mo
Today · 4.125%
HK$117,088
baseline
▲ 0.50% · 4.625%
HK$123,260
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,176/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,948 · Scale 2, in force from 26 Feb 2026)