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$55,802
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,537
−HK$1,764/mo
Today · 4.125%
HK$59,301
baseline
▲ 0.50% · 4.625%
HK$62,909
+HK$3,608/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,602/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,079
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,689/mo
Today · 4.125%
HK$65,433
baseline
▲ 0.50% · 4.625%
HK$68,882
+HK$3,449/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,866/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,962
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,045
−HK$2,116/mo
Today · 4.125%
HK$71,161
baseline
▲ 0.50% · 4.625%
HK$75,491
+HK$4,330/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,322/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,494
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,492
−HK$2,027/mo
Today · 4.125%
HK$78,519
baseline
▲ 0.50% · 4.625%
HK$82,658
+HK$4,139/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,038/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,122
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,552
−HK$2,469/mo
Today · 4.125%
HK$83,021
baseline
▲ 0.50% · 4.625%
HK$88,073
+HK$5,052/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,042/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,910
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,241
−HK$2,365/mo
Today · 4.125%
HK$91,606
baseline
▲ 0.50% · 4.625%
HK$96,434
+HK$4,828/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,212/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,443
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,567
−HK$3,174/mo
Today · 4.125%
HK$106,741
baseline
▲ 0.50% · 4.625%
HK$113,236
+HK$6,495/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,482/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,742
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,738
−HK$3,041/mo
Today · 4.125%
HK$117,779
baseline
▲ 0.50% · 4.625%
HK$123,987
+HK$6,208/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,558/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,044 · Scale 2, in force from 26 Feb 2026)