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$55,579
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,308
−HK$1,756/mo
Today · 4.125%
HK$59,064
baseline
▲ 0.50% · 4.625%
HK$62,658
+HK$3,594/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,128/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,831
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,683/mo
Today · 4.125%
HK$65,172
baseline
▲ 0.50% · 4.625%
HK$68,607
+HK$3,435/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,344/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,695
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,770
−HK$2,107/mo
Today · 4.125%
HK$70,877
baseline
▲ 0.50% · 4.625%
HK$75,190
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$141,754/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,197
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,187
−HK$2,019/mo
Today · 4.125%
HK$78,206
baseline
▲ 0.50% · 4.625%
HK$82,328
+HK$4,122/mo
Deposit HK$9.75M · loan HK$14.62M · min. income ≈ HK$156,412/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,811
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,231
−HK$2,459/mo
Today · 4.125%
HK$82,690
baseline
▲ 0.50% · 4.625%
HK$87,722
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,380/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,564
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,885
−HK$2,355/mo
Today · 4.125%
HK$91,240
baseline
▲ 0.50% · 4.625%
HK$96,050
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,480/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,042
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,154
−HK$3,162/mo
Today · 4.125%
HK$106,316
baseline
▲ 0.50% · 4.625%
HK$112,785
+HK$6,469/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,632/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,296
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,281
−HK$3,028/mo
Today · 4.125%
HK$117,309
baseline
▲ 0.50% · 4.625%
HK$123,493
+HK$6,184/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,618/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,898 · Scale 2, in force from 26 Feb 2026)