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$55,775
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,510
−HK$1,763/mo
Today · 4.125%
HK$59,273
baseline
▲ 0.50% · 4.625%
HK$62,879
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,546/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,049
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,713
−HK$1,689/mo
Today · 4.125%
HK$65,402
baseline
▲ 0.50% · 4.625%
HK$68,849
+HK$3,447/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,804/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,930
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,012
−HK$2,115/mo
Today · 4.125%
HK$71,127
baseline
▲ 0.50% · 4.625%
HK$75,455
+HK$4,328/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$142,254/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,459
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,456
−HK$2,026/mo
Today · 4.125%
HK$78,482
baseline
▲ 0.50% · 4.625%
HK$82,619
+HK$4,137/mo
Deposit HK$9.78M · loan HK$14.68M · min. income ≈ HK$156,964/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,085
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,514
−HK$2,468/mo
Today · 4.125%
HK$82,982
baseline
▲ 0.50% · 4.625%
HK$88,031
+HK$5,049/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,964/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,869
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,199
−HK$2,363/mo
Today · 4.125%
HK$91,562
baseline
▲ 0.50% · 4.625%
HK$96,389
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,124/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,395
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,518
−HK$3,173/mo
Today · 4.125%
HK$106,691
baseline
▲ 0.50% · 4.625%
HK$113,183
+HK$6,492/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,382/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,689
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,684
−HK$3,039/mo
Today · 4.125%
HK$117,723
baseline
▲ 0.50% · 4.625%
HK$123,928
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,446/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,552 · Scale 2, in force from 26 Feb 2026)