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$55,700
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,433
−HK$1,760/mo
Today · 4.125%
HK$59,193
baseline
▲ 0.50% · 4.625%
HK$62,795
+HK$3,602/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,386/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,966
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,628
−HK$1,686/mo
Today · 4.125%
HK$65,314
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,628/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,841
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,920
−HK$2,112/mo
Today · 4.125%
HK$71,032
baseline
▲ 0.50% · 4.625%
HK$75,354
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,064/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,359
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,354
−HK$2,023/mo
Today · 4.125%
HK$78,377
baseline
▲ 0.50% · 4.625%
HK$82,508
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,754/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,981
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,406
−HK$2,465/mo
Today · 4.125%
HK$82,871
baseline
▲ 0.50% · 4.625%
HK$87,913
+HK$5,042/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,742/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,753
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,079
−HK$2,361/mo
Today · 4.125%
HK$91,440
baseline
▲ 0.50% · 4.625%
HK$96,259
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,880/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,261
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,379
−HK$3,169/mo
Today · 4.125%
HK$106,548
baseline
▲ 0.50% · 4.625%
HK$113,031
+HK$6,483/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,096/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,539
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,530
−HK$3,035/mo
Today · 4.125%
HK$117,565
baseline
▲ 0.50% · 4.625%
HK$123,762
+HK$6,197/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,159 · Scale 2, in force from 26 Feb 2026)