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$55,531
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,258
−HK$1,755/mo
Today · 4.125%
HK$59,013
baseline
▲ 0.50% · 4.625%
HK$62,604
+HK$3,591/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,026/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,777
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,434
−HK$1,681/mo
Today · 4.125%
HK$65,115
baseline
▲ 0.50% · 4.625%
HK$68,547
+HK$3,432/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,230/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,637
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,710
−HK$2,106/mo
Today · 4.125%
HK$70,816
baseline
▲ 0.50% · 4.625%
HK$75,124
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,632/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,133
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,121
−HK$2,017/mo
Today · 4.125%
HK$78,138
baseline
▲ 0.50% · 4.625%
HK$82,257
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,276/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,743
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,161
−HK$2,457/mo
Today · 4.125%
HK$82,618
baseline
▲ 0.50% · 4.625%
HK$87,645
+HK$5,027/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,236/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,488
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,808
−HK$2,353/mo
Today · 4.125%
HK$91,161
baseline
▲ 0.50% · 4.625%
HK$95,966
+HK$4,805/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,322/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,955
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,064
−HK$3,159/mo
Today · 4.125%
HK$106,223
baseline
▲ 0.50% · 4.625%
HK$112,687
+HK$6,464/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,446/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,199
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,181
−HK$3,026/mo
Today · 4.125%
HK$117,207
baseline
▲ 0.50% · 4.625%
HK$123,385
+HK$6,178/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,414/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,995 · Scale 2, in force from 26 Feb 2026)