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$55,686
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,418
−HK$1,760/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,779
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,950
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,612
−HK$1,685/mo
Today · 4.125%
HK$65,297
baseline
▲ 0.50% · 4.625%
HK$68,739
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,594/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,823
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,902
−HK$2,112/mo
Today · 4.125%
HK$71,014
baseline
▲ 0.50% · 4.625%
HK$75,335
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,028/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,340
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,334
−HK$2,022/mo
Today · 4.125%
HK$78,356
baseline
▲ 0.50% · 4.625%
HK$82,487
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,712/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,960
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,385
−HK$2,464/mo
Today · 4.125%
HK$82,849
baseline
▲ 0.50% · 4.625%
HK$87,890
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,698/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,730
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,056
−HK$2,360/mo
Today · 4.125%
HK$91,416
baseline
▲ 0.50% · 4.625%
HK$96,235
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,832/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,235
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,353
−HK$3,167/mo
Today · 4.125%
HK$106,520
baseline
▲ 0.50% · 4.625%
HK$113,002
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,040/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,510
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,501
−HK$3,034/mo
Today · 4.125%
HK$117,535
baseline
▲ 0.50% · 4.625%
HK$123,730
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,070/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,890 · Scale 2, in force from 26 Feb 2026)