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$55,728
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,461
−HK$1,761/mo
Today · 4.125%
HK$59,222
baseline
▲ 0.50% · 4.625%
HK$62,826
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,444/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,997
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,659
−HK$1,687/mo
Today · 4.125%
HK$65,346
baseline
▲ 0.50% · 4.625%
HK$68,791
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,692/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,873
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$2,114/mo
Today · 4.125%
HK$71,067
baseline
▲ 0.50% · 4.625%
HK$75,391
+HK$4,324/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$142,134/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,396
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,391
−HK$2,024/mo
Today · 4.125%
HK$78,415
baseline
▲ 0.50% · 4.625%
HK$82,549
+HK$4,134/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$156,830/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,019
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,446
−HK$2,465/mo
Today · 4.125%
HK$82,911
baseline
▲ 0.50% · 4.625%
HK$87,956
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,822/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,795
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,123
−HK$2,361/mo
Today · 4.125%
HK$91,484
baseline
▲ 0.50% · 4.625%
HK$96,307
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,968/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,310
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,430
−HK$3,170/mo
Today · 4.125%
HK$106,600
baseline
▲ 0.50% · 4.625%
HK$113,087
+HK$6,487/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,200/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,594
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,587
−HK$3,036/mo
Today · 4.125%
HK$117,623
baseline
▲ 0.50% · 4.625%
HK$123,823
+HK$6,200/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,246/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,669 · Scale 2, in force from 26 Feb 2026)