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$55,801
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,764/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,908
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,078
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,743
−HK$1,689/mo
Today · 4.125%
HK$65,432
baseline
▲ 0.50% · 4.625%
HK$68,880
+HK$3,448/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,864/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,961
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,044
−HK$2,116/mo
Today · 4.125%
HK$71,160
baseline
▲ 0.50% · 4.625%
HK$75,490
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,320/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,493
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,491
−HK$2,027/mo
Today · 4.125%
HK$78,518
baseline
▲ 0.50% · 4.625%
HK$82,657
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,036/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,121
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,551
−HK$2,469/mo
Today · 4.125%
HK$83,020
baseline
▲ 0.50% · 4.625%
HK$88,071
+HK$5,051/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,040/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,909
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,240
−HK$2,364/mo
Today · 4.125%
HK$91,604
baseline
▲ 0.50% · 4.625%
HK$96,433
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,208/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,441
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,565
−HK$3,175/mo
Today · 4.125%
HK$106,740
baseline
▲ 0.50% · 4.625%
HK$113,235
+HK$6,495/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,480/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,740
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,737
−HK$3,040/mo
Today · 4.125%
HK$117,777
baseline
▲ 0.50% · 4.625%
HK$123,985
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,554/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,027 · Scale 2, in force from 26 Feb 2026)