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$55,721
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,454
−HK$1,761/mo
Today · 4.125%
HK$59,215
baseline
▲ 0.50% · 4.625%
HK$62,818
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,430/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,989
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,652
−HK$1,686/mo
Today · 4.125%
HK$65,338
baseline
▲ 0.50% · 4.625%
HK$68,782
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,676/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,865
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,945
−HK$2,113/mo
Today · 4.125%
HK$71,058
baseline
▲ 0.50% · 4.625%
HK$75,382
+HK$4,324/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,116/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,387
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,382
−HK$2,024/mo
Today · 4.125%
HK$78,406
baseline
▲ 0.50% · 4.625%
HK$82,539
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,812/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,010
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,436
−HK$2,466/mo
Today · 4.125%
HK$82,902
baseline
▲ 0.50% · 4.625%
HK$87,946
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,804/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,785
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,112
−HK$2,362/mo
Today · 4.125%
HK$91,474
baseline
▲ 0.50% · 4.625%
HK$96,295
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,948/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,298
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,418
−HK$3,170/mo
Today · 4.125%
HK$106,588
baseline
▲ 0.50% · 4.625%
HK$113,073
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,176/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,581
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,573
−HK$3,036/mo
Today · 4.125%
HK$117,609
baseline
▲ 0.50% · 4.625%
HK$123,808
+HK$6,199/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,218/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,546 · Scale 2, in force from 26 Feb 2026)