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$55,575
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,304
−HK$1,756/mo
Today · 4.125%
HK$59,060
baseline
▲ 0.50% · 4.625%
HK$62,654
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,120/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,827
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,485
−HK$1,682/mo
Today · 4.125%
HK$65,167
baseline
▲ 0.50% · 4.625%
HK$68,602
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,334/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,690
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,765
−HK$2,108/mo
Today · 4.125%
HK$70,873
baseline
▲ 0.50% · 4.625%
HK$75,185
+HK$4,312/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,746/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,192
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,182
−HK$2,019/mo
Today · 4.125%
HK$78,201
baseline
▲ 0.50% · 4.625%
HK$82,323
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,402/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,806
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,226
−HK$2,459/mo
Today · 4.125%
HK$82,685
baseline
▲ 0.50% · 4.625%
HK$87,716
+HK$5,031/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,370/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,558
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,879
−HK$2,355/mo
Today · 4.125%
HK$91,234
baseline
▲ 0.50% · 4.625%
HK$96,043
+HK$4,809/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,468/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,036
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,147
−HK$3,162/mo
Today · 4.125%
HK$106,309
baseline
▲ 0.50% · 4.625%
HK$112,777
+HK$6,468/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,618/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,289
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,273
−HK$3,028/mo
Today · 4.125%
HK$117,301
baseline
▲ 0.50% · 4.625%
HK$123,484
+HK$6,183/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,602/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,828 · Scale 2, in force from 26 Feb 2026)