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$55,739
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,473
−HK$1,761/mo
Today · 4.125%
HK$59,234
baseline
▲ 0.50% · 4.625%
HK$62,838
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,468/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,009
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,672
−HK$1,687/mo
Today · 4.125%
HK$65,359
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,718/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,887
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,967
−HK$2,114/mo
Today · 4.125%
HK$71,081
baseline
▲ 0.50% · 4.625%
HK$75,406
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,162/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,411
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,406
−HK$2,025/mo
Today · 4.125%
HK$78,431
baseline
▲ 0.50% · 4.625%
HK$82,565
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,862/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,034
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,462
−HK$2,466/mo
Today · 4.125%
HK$82,928
baseline
▲ 0.50% · 4.625%
HK$87,974
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,856/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,813
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,141
−HK$2,362/mo
Today · 4.125%
HK$91,503
baseline
▲ 0.50% · 4.625%
HK$96,326
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,006/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,330
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,451
−HK$3,171/mo
Today · 4.125%
HK$106,622
baseline
▲ 0.50% · 4.625%
HK$113,109
+HK$6,487/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,244/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,616
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,610
−HK$3,036/mo
Today · 4.125%
HK$117,646
baseline
▲ 0.50% · 4.625%
HK$123,848
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,292/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,876 · Scale 2, in force from 26 Feb 2026)