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$55,466
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,191
−HK$1,753/mo
Today · 4.125%
HK$58,944
baseline
▲ 0.50% · 4.625%
HK$62,531
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,888/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,705
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,360
−HK$1,679/mo
Today · 4.125%
HK$65,039
baseline
▲ 0.50% · 4.625%
HK$68,467
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,078/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,559
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,630
−HK$2,103/mo
Today · 4.125%
HK$70,733
baseline
▲ 0.50% · 4.625%
HK$75,037
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,466/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,047
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,032
−HK$2,015/mo
Today · 4.125%
HK$78,047
baseline
▲ 0.50% · 4.625%
HK$82,161
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,094/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,652
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,068
−HK$2,454/mo
Today · 4.125%
HK$82,522
baseline
▲ 0.50% · 4.625%
HK$87,543
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,044/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,388
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,704
−HK$2,351/mo
Today · 4.125%
HK$91,055
baseline
▲ 0.50% · 4.625%
HK$95,854
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,110/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,839
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,944
−HK$3,156/mo
Today · 4.125%
HK$106,100
baseline
▲ 0.50% · 4.625%
HK$112,556
+HK$6,456/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,200/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,070
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,049
−HK$3,022/mo
Today · 4.125%
HK$117,071
baseline
▲ 0.50% · 4.625%
HK$123,241
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,142/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,791 · Scale 2, in force from 26 Feb 2026)