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$55,938
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,678
−HK$1,768/mo
Today · 4.125%
HK$59,446
baseline
▲ 0.50% · 4.625%
HK$63,063
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,892/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,231
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,693/mo
Today · 4.125%
HK$65,593
baseline
▲ 0.50% · 4.625%
HK$69,050
+HK$3,457/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,186/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,214
−HK$2,121/mo
Today · 4.125%
HK$71,335
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,670/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,677
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,680
−HK$2,032/mo
Today · 4.125%
HK$78,712
baseline
▲ 0.50% · 4.625%
HK$82,861
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,424/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,314
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,750
−HK$2,475/mo
Today · 4.125%
HK$83,225
baseline
▲ 0.50% · 4.625%
HK$88,289
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,450/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,123
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,460
−HK$2,370/mo
Today · 4.125%
HK$91,830
baseline
▲ 0.50% · 4.625%
HK$96,671
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,660/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,689
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,821
−HK$3,182/mo
Today · 4.125%
HK$107,003
baseline
▲ 0.50% · 4.625%
HK$113,514
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,006/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,015
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,020
−HK$3,047/mo
Today · 4.125%
HK$118,067
baseline
▲ 0.50% · 4.625%
HK$124,291
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,134/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,593 · Scale 2, in force from 26 Feb 2026)