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$55,816
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,552
−HK$1,764/mo
Today · 4.125%
HK$59,316
baseline
▲ 0.50% · 4.625%
HK$62,926
+HK$3,610/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$118,632/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,095
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,760
−HK$1,690/mo
Today · 4.125%
HK$65,450
baseline
▲ 0.50% · 4.625%
HK$68,900
+HK$3,450/mo
Deposit HK$12.24M · loan HK$12.24M · min. income ≈ HK$130,900/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,979
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,063
−HK$2,117/mo
Today · 4.125%
HK$71,180
baseline
▲ 0.50% · 4.625%
HK$75,511
+HK$4,331/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$142,360/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,514
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,512
−HK$2,028/mo
Today · 4.125%
HK$78,540
baseline
▲ 0.50% · 4.625%
HK$82,680
+HK$4,140/mo
Deposit HK$9.79M · loan HK$14.69M · min. income ≈ HK$157,080/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,143
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,573
−HK$2,470/mo
Today · 4.125%
HK$83,043
baseline
▲ 0.50% · 4.625%
HK$88,096
+HK$5,053/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,086/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,933
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,264
−HK$2,366/mo
Today · 4.125%
HK$91,630
baseline
▲ 0.50% · 4.625%
HK$96,460
+HK$4,830/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,260/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,469
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,594
−HK$3,175/mo
Today · 4.125%
HK$106,769
baseline
▲ 0.50% · 4.625%
HK$113,266
+HK$6,497/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$213,538/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,771
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,769
−HK$3,041/mo
Today · 4.125%
HK$117,810
baseline
▲ 0.50% · 4.625%
HK$124,019
+HK$6,209/mo
Deposit HK$2.45M · loan HK$22.03M · min. income ≈ HK$235,620/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,317 · Scale 2, in force from 26 Feb 2026)