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$55,900
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,639
−HK$1,766/mo
Today · 4.125%
HK$59,405
baseline
▲ 0.50% · 4.625%
HK$63,020
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,810/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,188
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,856
−HK$1,692/mo
Today · 4.125%
HK$65,548
baseline
▲ 0.50% · 4.625%
HK$69,003
+HK$3,455/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,096/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,080
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,166
−HK$2,120/mo
Today · 4.125%
HK$71,286
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$4,338/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,572/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,626
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,030/mo
Today · 4.125%
HK$78,657
baseline
▲ 0.50% · 4.625%
HK$82,804
+HK$4,147/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,314/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,260
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,694
−HK$2,473/mo
Today · 4.125%
HK$83,167
baseline
▲ 0.50% · 4.625%
HK$88,228
+HK$5,061/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,334/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,063
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,398
−HK$2,369/mo
Today · 4.125%
HK$91,767
baseline
▲ 0.50% · 4.625%
HK$96,604
+HK$4,837/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,534/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,620
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,750
−HK$3,180/mo
Today · 4.125%
HK$106,930
baseline
▲ 0.50% · 4.625%
HK$113,436
+HK$6,506/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,860/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,939
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,941
−HK$3,045/mo
Today · 4.125%
HK$117,986
baseline
▲ 0.50% · 4.625%
HK$124,205
+HK$6,219/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,972/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,877 · Scale 2, in force from 26 Feb 2026)