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$55,630
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,360
−HK$1,758/mo
Today · 4.125%
HK$59,118
baseline
▲ 0.50% · 4.625%
HK$62,715
+HK$3,597/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,236/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,887
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,547
−HK$1,684/mo
Today · 4.125%
HK$65,231
baseline
▲ 0.50% · 4.625%
HK$68,669
+HK$3,438/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,462/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,756
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$2,110/mo
Today · 4.125%
HK$70,942
baseline
▲ 0.50% · 4.625%
HK$75,258
+HK$4,316/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,884/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,265
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,257
−HK$2,020/mo
Today · 4.125%
HK$78,277
baseline
▲ 0.50% · 4.625%
HK$82,403
+HK$4,126/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,554/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,304
−HK$2,461/mo
Today · 4.125%
HK$82,765
baseline
▲ 0.50% · 4.625%
HK$87,801
+HK$5,036/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,530/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,642
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,966
−HK$2,357/mo
Today · 4.125%
HK$91,323
baseline
▲ 0.50% · 4.625%
HK$96,137
+HK$4,814/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,646/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,133
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,248
−HK$3,165/mo
Today · 4.125%
HK$106,413
baseline
▲ 0.50% · 4.625%
HK$112,888
+HK$6,475/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,826/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,397
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,385
−HK$3,031/mo
Today · 4.125%
HK$117,416
baseline
▲ 0.50% · 4.625%
HK$123,605
+HK$6,189/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,832/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,840 · Scale 2, in force from 26 Feb 2026)