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$55,689
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,421
−HK$1,760/mo
Today · 4.125%
HK$59,181
baseline
▲ 0.50% · 4.625%
HK$62,782
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,362/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,954
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,615
−HK$1,686/mo
Today · 4.125%
HK$65,301
baseline
▲ 0.50% · 4.625%
HK$68,743
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,602/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,827
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,906
−HK$2,111/mo
Today · 4.125%
HK$71,017
baseline
▲ 0.50% · 4.625%
HK$75,339
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,034/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,344
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,023/mo
Today · 4.125%
HK$78,361
baseline
▲ 0.50% · 4.625%
HK$82,491
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,722/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,965
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,390
−HK$2,464/mo
Today · 4.125%
HK$82,854
baseline
▲ 0.50% · 4.625%
HK$87,895
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,708/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,735
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,061
−HK$2,360/mo
Today · 4.125%
HK$91,421
baseline
▲ 0.50% · 4.625%
HK$96,240
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,842/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,240
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,358
−HK$3,168/mo
Today · 4.125%
HK$106,526
baseline
▲ 0.50% · 4.625%
HK$113,008
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,052/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,516
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,507
−HK$3,034/mo
Today · 4.125%
HK$117,541
baseline
▲ 0.50% · 4.625%
HK$123,737
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,082/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,947 · Scale 2, in force from 26 Feb 2026)