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$55,820
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,556
−HK$1,764/mo
Today · 4.125%
HK$59,320
baseline
▲ 0.50% · 4.625%
HK$62,930
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,640/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,764
−HK$1,690/mo
Today · 4.125%
HK$65,454
baseline
▲ 0.50% · 4.625%
HK$68,904
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,908/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,984
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,067
−HK$2,117/mo
Today · 4.125%
HK$71,184
baseline
▲ 0.50% · 4.625%
HK$75,515
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,368/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,519
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,517
−HK$2,028/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$82,685
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,148
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,578
−HK$2,470/mo
Today · 4.125%
HK$83,048
baseline
▲ 0.50% · 4.625%
HK$88,101
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,096/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,938
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,270
−HK$2,365/mo
Today · 4.125%
HK$91,635
baseline
▲ 0.50% · 4.625%
HK$96,466
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,270/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,475
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,601
−HK$3,175/mo
Today · 4.125%
HK$106,776
baseline
▲ 0.50% · 4.625%
HK$113,273
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,552/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,778
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,776
−HK$3,041/mo
Today · 4.125%
HK$117,817
baseline
▲ 0.50% · 4.625%
HK$124,027
+HK$6,210/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,634/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,382 · Scale 2, in force from 26 Feb 2026)