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$55,765
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,500
−HK$1,762/mo
Today · 4.125%
HK$59,262
baseline
▲ 0.50% · 4.625%
HK$62,868
+HK$3,606/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,524/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,038
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,702
−HK$1,688/mo
Today · 4.125%
HK$65,390
baseline
▲ 0.50% · 4.625%
HK$68,836
+HK$3,446/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,780/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,918
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$2,115/mo
Today · 4.125%
HK$71,114
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,228/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,446
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,442
−HK$2,026/mo
Today · 4.125%
HK$78,468
baseline
▲ 0.50% · 4.625%
HK$82,604
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,936/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,071
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,499
−HK$2,468/mo
Today · 4.125%
HK$82,967
baseline
▲ 0.50% · 4.625%
HK$88,015
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,934/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,853
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,183
−HK$2,363/mo
Today · 4.125%
HK$91,546
baseline
▲ 0.50% · 4.625%
HK$96,371
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,092/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,377
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,499
−HK$3,172/mo
Today · 4.125%
HK$106,671
baseline
▲ 0.50% · 4.625%
HK$113,162
+HK$6,491/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,342/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,668
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,663
−HK$3,038/mo
Today · 4.125%
HK$117,701
baseline
▲ 0.50% · 4.625%
HK$123,906
+HK$6,205/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,402/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,362 · Scale 2, in force from 26 Feb 2026)