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$55,723
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,456
−HK$1,761/mo
Today · 4.125%
HK$59,217
baseline
▲ 0.50% · 4.625%
HK$62,820
+HK$3,603/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,434/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,991
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,654
−HK$1,686/mo
Today · 4.125%
HK$65,340
baseline
▲ 0.50% · 4.625%
HK$68,784
+HK$3,444/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,680/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,867
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,947
−HK$2,114/mo
Today · 4.125%
HK$71,061
baseline
▲ 0.50% · 4.625%
HK$75,384
+HK$4,323/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,122/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,389
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,384
−HK$2,024/mo
Today · 4.125%
HK$78,408
baseline
▲ 0.50% · 4.625%
HK$82,541
+HK$4,133/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,816/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,012
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,439
−HK$2,465/mo
Today · 4.125%
HK$82,904
baseline
▲ 0.50% · 4.625%
HK$87,949
+HK$5,045/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,808/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,788
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,115
−HK$2,361/mo
Today · 4.125%
HK$91,476
baseline
▲ 0.50% · 4.625%
HK$96,298
+HK$4,822/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$182,952/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,301
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,421
−HK$3,170/mo
Today · 4.125%
HK$106,591
baseline
▲ 0.50% · 4.625%
HK$113,077
+HK$6,486/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,182/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,584
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,577
−HK$3,035/mo
Today · 4.125%
HK$117,612
baseline
▲ 0.50% · 4.625%
HK$123,812
+HK$6,200/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,224/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,577 · Scale 2, in force from 26 Feb 2026)