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$55,527
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,254
−HK$1,755/mo
Today · 4.125%
HK$59,009
baseline
▲ 0.50% · 4.625%
HK$62,599
+HK$3,590/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,018/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,773
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,429
−HK$1,681/mo
Today · 4.125%
HK$65,110
baseline
▲ 0.50% · 4.625%
HK$68,542
+HK$3,432/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,220/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,632
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,705
−HK$2,105/mo
Today · 4.125%
HK$70,810
baseline
▲ 0.50% · 4.625%
HK$75,119
+HK$4,309/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,620/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,127
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,115
−HK$2,017/mo
Today · 4.125%
HK$78,132
baseline
▲ 0.50% · 4.625%
HK$82,251
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,264/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,737
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,155
−HK$2,457/mo
Today · 4.125%
HK$82,612
baseline
▲ 0.50% · 4.625%
HK$87,639
+HK$5,027/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,224/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,482
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,801
−HK$2,353/mo
Today · 4.125%
HK$91,154
baseline
▲ 0.50% · 4.625%
HK$95,959
+HK$4,805/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,308/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,948
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,057
−HK$3,158/mo
Today · 4.125%
HK$106,215
baseline
▲ 0.50% · 4.625%
HK$112,678
+HK$6,463/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,430/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,191
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,173
−HK$3,025/mo
Today · 4.125%
HK$117,198
baseline
▲ 0.50% · 4.625%
HK$123,376
+HK$6,178/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,396/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,919 · Scale 2, in force from 26 Feb 2026)