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$55,823
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,559
−HK$1,764/mo
Today · 4.125%
HK$59,323
baseline
▲ 0.50% · 4.625%
HK$62,933
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,646/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,102
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,768
−HK$1,689/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$68,908
+HK$3,451/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,987
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,071
−HK$2,117/mo
Today · 4.125%
HK$71,188
baseline
▲ 0.50% · 4.625%
HK$75,519
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,376/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,522
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,521
−HK$2,028/mo
Today · 4.125%
HK$78,549
baseline
▲ 0.50% · 4.625%
HK$82,689
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,098/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,152
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,583
−HK$2,469/mo
Today · 4.125%
HK$83,052
baseline
▲ 0.50% · 4.625%
HK$88,106
+HK$5,054/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$166,104/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,943
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,275
−HK$2,365/mo
Today · 4.125%
HK$91,640
baseline
▲ 0.50% · 4.625%
HK$96,471
+HK$4,831/mo
Deposit HK$7.34M · loan HK$17.14M · min. income ≈ HK$183,280/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,481
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,606
−HK$3,176/mo
Today · 4.125%
HK$106,782
baseline
▲ 0.50% · 4.625%
HK$113,279
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,564/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,784
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,782
−HK$3,041/mo
Today · 4.125%
HK$117,823
baseline
▲ 0.50% · 4.625%
HK$124,034
+HK$6,211/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,646/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,435 · Scale 2, in force from 26 Feb 2026)