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$55,745
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,479
−HK$1,762/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,687/mo
Today · 4.125%
HK$65,366
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,446/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,732/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,894
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$2,114/mo
Today · 4.125%
HK$71,089
baseline
▲ 0.50% · 4.625%
HK$75,414
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,178/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,419
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,415
−HK$2,024/mo
Today · 4.125%
HK$78,439
baseline
▲ 0.50% · 4.625%
HK$82,574
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,878/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,043
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,471
−HK$2,466/mo
Today · 4.125%
HK$82,937
baseline
▲ 0.50% · 4.625%
HK$87,983
+HK$5,046/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,874/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,822
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,151
−HK$2,362/mo
Today · 4.125%
HK$91,513
baseline
▲ 0.50% · 4.625%
HK$96,336
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,026/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,341
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,462
−HK$3,171/mo
Today · 4.125%
HK$106,633
baseline
▲ 0.50% · 4.625%
HK$113,122
+HK$6,489/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,266/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,628
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,622
−HK$3,037/mo
Today · 4.125%
HK$117,659
baseline
▲ 0.50% · 4.625%
HK$123,861
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,318/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,989 · Scale 2, in force from 26 Feb 2026)