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$55,841
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,578
−HK$1,765/mo
Today · 4.125%
HK$59,343
baseline
▲ 0.50% · 4.625%
HK$62,953
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,686/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,122
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,789
−HK$1,690/mo
Today · 4.125%
HK$65,479
baseline
▲ 0.50% · 4.625%
HK$68,930
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,958/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,009
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,093
−HK$2,118/mo
Today · 4.125%
HK$71,211
baseline
▲ 0.50% · 4.625%
HK$75,544
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,422/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,547
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,028/mo
Today · 4.125%
HK$78,574
baseline
▲ 0.50% · 4.625%
HK$82,716
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,148/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,177
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,609
−HK$2,471/mo
Today · 4.125%
HK$83,080
baseline
▲ 0.50% · 4.625%
HK$88,135
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,160/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,971
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,304
−HK$2,366/mo
Today · 4.125%
HK$91,670
baseline
▲ 0.50% · 4.625%
HK$96,502
+HK$4,832/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,340/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,514
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,640
−HK$3,177/mo
Today · 4.125%
HK$106,817
baseline
▲ 0.50% · 4.625%
HK$113,316
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,634/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,820
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,819
−HK$3,043/mo
Today · 4.125%
HK$117,862
baseline
▲ 0.50% · 4.625%
HK$124,074
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,724/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,777 · Scale 2, in force from 26 Feb 2026)