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$55,719
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,452
−HK$1,761/mo
Today · 4.125%
HK$59,213
baseline
▲ 0.50% · 4.625%
HK$62,816
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,426/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,987
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,650
−HK$1,686/mo
Today · 4.125%
HK$65,336
baseline
▲ 0.50% · 4.625%
HK$68,780
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,672/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,863
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,943
−HK$2,113/mo
Today · 4.125%
HK$71,056
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$4,324/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,112/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,023/mo
Today · 4.125%
HK$78,403
baseline
▲ 0.50% · 4.625%
HK$82,536
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,806/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,007
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,433
−HK$2,466/mo
Today · 4.125%
HK$82,899
baseline
▲ 0.50% · 4.625%
HK$87,943
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,798/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,782
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,109
−HK$2,362/mo
Today · 4.125%
HK$91,471
baseline
▲ 0.50% · 4.625%
HK$96,292
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,942/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,295
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,414
−HK$3,170/mo
Today · 4.125%
HK$106,584
baseline
▲ 0.50% · 4.625%
HK$113,069
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,168/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,577
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,569
−HK$3,036/mo
Today · 4.125%
HK$117,605
baseline
▲ 0.50% · 4.625%
HK$123,804
+HK$6,199/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,210/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,510 · Scale 2, in force from 26 Feb 2026)