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$55,826
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,563
−HK$1,764/mo
Today · 4.125%
HK$59,327
baseline
▲ 0.50% · 4.625%
HK$62,937
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,654/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,106
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,772
−HK$1,689/mo
Today · 4.125%
HK$65,461
baseline
▲ 0.50% · 4.625%
HK$68,912
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,922/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,991
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,075
−HK$2,117/mo
Today · 4.125%
HK$71,192
baseline
▲ 0.50% · 4.625%
HK$75,524
+HK$4,332/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,384/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,527
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,526
−HK$2,028/mo
Today · 4.125%
HK$78,554
baseline
▲ 0.50% · 4.625%
HK$82,694
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,108/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,588
−HK$2,470/mo
Today · 4.125%
HK$83,058
baseline
▲ 0.50% · 4.625%
HK$88,111
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,116/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,948
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,280
−HK$2,366/mo
Today · 4.125%
HK$91,646
baseline
▲ 0.50% · 4.625%
HK$96,477
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,292/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,487
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,613
−HK$3,175/mo
Today · 4.125%
HK$106,788
baseline
▲ 0.50% · 4.625%
HK$113,286
+HK$6,498/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,576/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,791
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,789
−HK$3,041/mo
Today · 4.125%
HK$117,830
baseline
▲ 0.50% · 4.625%
HK$124,041
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,660/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,501 · Scale 2, in force from 26 Feb 2026)