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$55,519
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,246
−HK$1,755/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,765
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,421
−HK$1,681/mo
Today · 4.125%
HK$65,102
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,204/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,623
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,696
−HK$2,105/mo
Today · 4.125%
HK$70,801
baseline
▲ 0.50% · 4.625%
HK$75,109
+HK$4,308/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,602/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,118
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,017/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,240
+HK$4,118/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,727
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,145
−HK$2,456/mo
Today · 4.125%
HK$82,601
baseline
▲ 0.50% · 4.625%
HK$87,627
+HK$5,026/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,202/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,471
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,790
−HK$2,352/mo
Today · 4.125%
HK$91,142
baseline
▲ 0.50% · 4.625%
HK$95,947
+HK$4,805/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,284/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,935
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,043
−HK$3,159/mo
Today · 4.125%
HK$106,202
baseline
▲ 0.50% · 4.625%
HK$112,664
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,404/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,176
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,158
−HK$3,025/mo
Today · 4.125%
HK$117,183
baseline
▲ 0.50% · 4.625%
HK$123,360
+HK$6,177/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,366/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,783 · Scale 2, in force from 26 Feb 2026)