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$55,708
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,441
−HK$1,760/mo
Today · 4.125%
HK$59,201
baseline
▲ 0.50% · 4.625%
HK$62,803
+HK$3,602/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,402/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,974
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,637
−HK$1,686/mo
Today · 4.125%
HK$65,323
baseline
▲ 0.50% · 4.625%
HK$68,766
+HK$3,443/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,646/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,849
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,929
−HK$2,112/mo
Today · 4.125%
HK$71,041
baseline
▲ 0.50% · 4.625%
HK$75,364
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,082/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,369
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,364
−HK$2,023/mo
Today · 4.125%
HK$78,387
baseline
▲ 0.50% · 4.625%
HK$82,519
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,774/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,991
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,417
−HK$2,465/mo
Today · 4.125%
HK$82,882
baseline
▲ 0.50% · 4.625%
HK$87,925
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,764/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,764
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,091
−HK$2,361/mo
Today · 4.125%
HK$91,452
baseline
▲ 0.50% · 4.625%
HK$96,272
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,904/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,274
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,393
−HK$3,169/mo
Today · 4.125%
HK$106,562
baseline
▲ 0.50% · 4.625%
HK$113,046
+HK$6,484/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,124/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,554
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,546
−HK$3,035/mo
Today · 4.125%
HK$117,581
baseline
▲ 0.50% · 4.625%
HK$123,779
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,162/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,298 · Scale 2, in force from 26 Feb 2026)