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$55,729
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,462
−HK$1,761/mo
Today · 4.125%
HK$59,223
baseline
▲ 0.50% · 4.625%
HK$62,827
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,446/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,998
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,660
−HK$1,687/mo
Today · 4.125%
HK$65,347
baseline
▲ 0.50% · 4.625%
HK$68,792
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,694/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,874
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,955
−HK$2,113/mo
Today · 4.125%
HK$71,068
baseline
▲ 0.50% · 4.625%
HK$75,392
+HK$4,324/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$142,136/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,397
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,392
−HK$2,025/mo
Today · 4.125%
HK$78,417
baseline
▲ 0.50% · 4.625%
HK$82,550
+HK$4,133/mo
Deposit HK$9.78M · loan HK$14.66M · min. income ≈ HK$156,834/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,020
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,447
−HK$2,466/mo
Today · 4.125%
HK$82,913
baseline
▲ 0.50% · 4.625%
HK$87,958
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,826/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,797
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,125
−HK$2,361/mo
Today · 4.125%
HK$91,486
baseline
▲ 0.50% · 4.625%
HK$96,308
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,972/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,312
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,432
−HK$3,170/mo
Today · 4.125%
HK$106,602
baseline
▲ 0.50% · 4.625%
HK$113,089
+HK$6,487/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,204/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,596
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,589
−HK$3,036/mo
Today · 4.125%
HK$117,625
baseline
▲ 0.50% · 4.625%
HK$123,825
+HK$6,200/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,250/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,686 · Scale 2, in force from 26 Feb 2026)