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$55,677
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,409
−HK$1,759/mo
Today · 4.125%
HK$59,168
baseline
▲ 0.50% · 4.625%
HK$62,769
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,336/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,940
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,601
−HK$1,685/mo
Today · 4.125%
HK$65,286
baseline
▲ 0.50% · 4.625%
HK$68,728
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,572/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,812
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,890
−HK$2,112/mo
Today · 4.125%
HK$71,002
baseline
▲ 0.50% · 4.625%
HK$75,322
+HK$4,320/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,004/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,328
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,321
−HK$2,023/mo
Today · 4.125%
HK$78,344
baseline
▲ 0.50% · 4.625%
HK$82,473
+HK$4,129/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,688/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,948
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,372
−HK$2,464/mo
Today · 4.125%
HK$82,836
baseline
▲ 0.50% · 4.625%
HK$87,876
+HK$5,040/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,672/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,716
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,042
−HK$2,359/mo
Today · 4.125%
HK$91,401
baseline
▲ 0.50% · 4.625%
HK$96,219
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,802/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,218
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,336
−HK$3,167/mo
Today · 4.125%
HK$106,503
baseline
▲ 0.50% · 4.625%
HK$112,983
+HK$6,480/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,006/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,492
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,482
−HK$3,033/mo
Today · 4.125%
HK$117,515
baseline
▲ 0.50% · 4.625%
HK$123,710
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,030/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,720 · Scale 2, in force from 26 Feb 2026)