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$55,957
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,698
−HK$1,768/mo
Today · 4.125%
HK$59,466
baseline
▲ 0.50% · 4.625%
HK$63,085
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,932/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,252
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,922
−HK$1,693/mo
Today · 4.125%
HK$65,615
baseline
▲ 0.50% · 4.625%
HK$69,074
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,230/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,149
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,238
−HK$2,122/mo
Today · 4.125%
HK$71,360
baseline
▲ 0.50% · 4.625%
HK$75,702
+HK$4,342/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,720/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,702
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,706
−HK$2,032/mo
Today · 4.125%
HK$78,738
baseline
▲ 0.50% · 4.625%
HK$82,889
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,476/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,340
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,777
−HK$2,476/mo
Today · 4.125%
HK$83,253
baseline
▲ 0.50% · 4.625%
HK$88,319
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,506/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,153
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,490
−HK$2,371/mo
Today · 4.125%
HK$91,861
baseline
▲ 0.50% · 4.625%
HK$96,704
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,722/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,723
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,856
−HK$3,184/mo
Today · 4.125%
HK$107,040
baseline
▲ 0.50% · 4.625%
HK$113,553
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,080/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,054
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,059
−HK$3,049/mo
Today · 4.125%
HK$118,108
baseline
▲ 0.50% · 4.625%
HK$124,333
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,216/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,948 · Scale 2, in force from 26 Feb 2026)