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$55,806
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,542
−HK$1,764/mo
Today · 4.125%
HK$59,306
baseline
▲ 0.50% · 4.625%
HK$62,914
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,612/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,084
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,749
−HK$1,689/mo
Today · 4.125%
HK$65,438
baseline
▲ 0.50% · 4.625%
HK$68,887
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,876/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,967
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,051
−HK$2,116/mo
Today · 4.125%
HK$71,167
baseline
▲ 0.50% · 4.625%
HK$75,497
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,334/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,501
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,499
−HK$2,027/mo
Today · 4.125%
HK$78,526
baseline
▲ 0.50% · 4.625%
HK$82,665
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,052/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,129
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,559
−HK$2,469/mo
Today · 4.125%
HK$83,028
baseline
▲ 0.50% · 4.625%
HK$88,080
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,056/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,917
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,248
−HK$2,365/mo
Today · 4.125%
HK$91,613
baseline
▲ 0.50% · 4.625%
HK$96,442
+HK$4,829/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,226/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,451
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,576
−HK$3,174/mo
Today · 4.125%
HK$106,750
baseline
▲ 0.50% · 4.625%
HK$113,246
+HK$6,496/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,500/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,751
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,748
−HK$3,040/mo
Today · 4.125%
HK$117,788
baseline
▲ 0.50% · 4.625%
HK$123,997
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,576/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,131 · Scale 2, in force from 26 Feb 2026)