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$55,712
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,444
−HK$1,761/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,808
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,979
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,641
−HK$1,686/mo
Today · 4.125%
HK$65,327
baseline
▲ 0.50% · 4.625%
HK$68,770
+HK$3,443/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,654/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,854
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,933
−HK$2,113/mo
Today · 4.125%
HK$71,046
baseline
▲ 0.50% · 4.625%
HK$75,369
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,092/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,374
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,369
−HK$2,023/mo
Today · 4.125%
HK$78,392
baseline
▲ 0.50% · 4.625%
HK$82,525
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,784/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,996
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,422
−HK$2,465/mo
Today · 4.125%
HK$82,887
baseline
▲ 0.50% · 4.625%
HK$87,931
+HK$5,044/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,774/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,770
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,097
−HK$2,361/mo
Today · 4.125%
HK$91,458
baseline
▲ 0.50% · 4.625%
HK$96,279
+HK$4,821/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,916/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,281
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,400
−HK$3,169/mo
Today · 4.125%
HK$106,569
baseline
▲ 0.50% · 4.625%
HK$113,054
+HK$6,485/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,138/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,561
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,553
−HK$3,036/mo
Today · 4.125%
HK$117,589
baseline
▲ 0.50% · 4.625%
HK$123,787
+HK$6,198/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,178/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,366 · Scale 2, in force from 26 Feb 2026)