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$55,709
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,442
−HK$1,761/mo
Today · 4.125%
HK$59,203
baseline
▲ 0.50% · 4.625%
HK$62,805
+HK$3,602/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,406/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,976
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,638
−HK$1,686/mo
Today · 4.125%
HK$65,324
baseline
▲ 0.50% · 4.625%
HK$68,768
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,648/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,851
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,930
−HK$2,113/mo
Today · 4.125%
HK$71,043
baseline
▲ 0.50% · 4.625%
HK$75,366
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,086/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,371
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,366
−HK$2,023/mo
Today · 4.125%
HK$78,389
baseline
▲ 0.50% · 4.625%
HK$82,521
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,778/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,993
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,419
−HK$2,465/mo
Today · 4.125%
HK$82,884
baseline
▲ 0.50% · 4.625%
HK$87,927
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,768/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,766
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,093
−HK$2,361/mo
Today · 4.125%
HK$91,454
baseline
▲ 0.50% · 4.625%
HK$96,275
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,908/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,276
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,396
−HK$3,169/mo
Today · 4.125%
HK$106,565
baseline
▲ 0.50% · 4.625%
HK$113,049
+HK$6,484/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,557
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,548
−HK$3,036/mo
Today · 4.125%
HK$117,584
baseline
▲ 0.50% · 4.625%
HK$123,782
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,168/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,321 · Scale 2, in force from 26 Feb 2026)