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$55,821
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,557
−HK$1,765/mo
Today · 4.125%
HK$59,322
baseline
▲ 0.50% · 4.625%
HK$62,931
+HK$3,609/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,644/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,100
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,766
−HK$1,689/mo
Today · 4.125%
HK$65,455
baseline
▲ 0.50% · 4.625%
HK$68,906
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,910/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,985
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,069
−HK$2,117/mo
Today · 4.125%
HK$71,186
baseline
▲ 0.50% · 4.625%
HK$75,517
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,372/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,520
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,519
−HK$2,028/mo
Today · 4.125%
HK$78,547
baseline
▲ 0.50% · 4.625%
HK$82,687
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,094/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,150
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,580
−HK$2,470/mo
Today · 4.125%
HK$83,050
baseline
▲ 0.50% · 4.625%
HK$88,104
+HK$5,054/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,100/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,941
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,272
−HK$2,366/mo
Today · 4.125%
HK$91,638
baseline
▲ 0.50% · 4.625%
HK$96,468
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,276/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,478
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,603
−HK$3,176/mo
Today · 4.125%
HK$106,779
baseline
▲ 0.50% · 4.625%
HK$113,276
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,558/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,781
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,779
−HK$3,041/mo
Today · 4.125%
HK$117,820
baseline
▲ 0.50% · 4.625%
HK$124,030
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,640/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,408 · Scale 2, in force from 26 Feb 2026)