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$55,837
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,574
−HK$1,764/mo
Today · 4.125%
HK$59,338
baseline
▲ 0.50% · 4.625%
HK$62,949
+HK$3,611/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,676/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,118
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,784
−HK$1,690/mo
Today · 4.125%
HK$65,474
baseline
▲ 0.50% · 4.625%
HK$68,925
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,948/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,004
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,088
−HK$2,118/mo
Today · 4.125%
HK$71,206
baseline
▲ 0.50% · 4.625%
HK$75,539
+HK$4,333/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,412/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,542
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,541
−HK$2,028/mo
Today · 4.125%
HK$78,569
baseline
▲ 0.50% · 4.625%
HK$82,710
+HK$4,141/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,138/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,172
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,603
−HK$2,471/mo
Today · 4.125%
HK$83,074
baseline
▲ 0.50% · 4.625%
HK$88,129
+HK$5,055/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,148/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,965
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,298
−HK$2,366/mo
Today · 4.125%
HK$91,664
baseline
▲ 0.50% · 4.625%
HK$96,495
+HK$4,831/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,328/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,506
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,633
−HK$3,176/mo
Today · 4.125%
HK$106,809
baseline
▲ 0.50% · 4.625%
HK$113,308
+HK$6,499/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,618/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,812
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,811
−HK$3,042/mo
Today · 4.125%
HK$117,853
baseline
▲ 0.50% · 4.625%
HK$124,065
+HK$6,212/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,706/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,702 · Scale 2, in force from 26 Feb 2026)