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$55,690
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,422
−HK$1,760/mo
Today · 4.125%
HK$59,182
baseline
▲ 0.50% · 4.625%
HK$62,783
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,364/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,954
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,616
−HK$1,686/mo
Today · 4.125%
HK$65,302
baseline
▲ 0.50% · 4.625%
HK$68,744
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,604/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,828
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,907
−HK$2,112/mo
Today · 4.125%
HK$71,019
baseline
▲ 0.50% · 4.625%
HK$75,340
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,038/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,345
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,339
−HK$2,023/mo
Today · 4.125%
HK$78,362
baseline
▲ 0.50% · 4.625%
HK$82,493
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,724/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,966
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,391
−HK$2,464/mo
Today · 4.125%
HK$82,855
baseline
▲ 0.50% · 4.625%
HK$87,896
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,710/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,736
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,062
−HK$2,360/mo
Today · 4.125%
HK$91,422
baseline
▲ 0.50% · 4.625%
HK$96,241
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,844/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,242
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,360
−HK$3,168/mo
Today · 4.125%
HK$106,528
baseline
▲ 0.50% · 4.625%
HK$113,010
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,056/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,518
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,509
−HK$3,034/mo
Today · 4.125%
HK$117,543
baseline
▲ 0.50% · 4.625%
HK$123,739
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,086/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,962 · Scale 2, in force from 26 Feb 2026)