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$55,741
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,474
−HK$1,762/mo
Today · 4.125%
HK$59,236
baseline
▲ 0.50% · 4.625%
HK$62,840
+HK$3,604/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,472/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,011
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,674
−HK$1,687/mo
Today · 4.125%
HK$65,361
baseline
▲ 0.50% · 4.625%
HK$68,806
+HK$3,445/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,722/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,889
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,969
−HK$2,114/mo
Today · 4.125%
HK$71,083
baseline
▲ 0.50% · 4.625%
HK$75,408
+HK$4,325/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,166/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,413
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,409
−HK$2,024/mo
Today · 4.125%
HK$78,433
baseline
▲ 0.50% · 4.625%
HK$82,568
+HK$4,135/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,866/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,037
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,464
−HK$2,466/mo
Today · 4.125%
HK$82,930
baseline
▲ 0.50% · 4.625%
HK$87,977
+HK$5,047/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,860/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,815
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,144
−HK$2,362/mo
Today · 4.125%
HK$91,506
baseline
▲ 0.50% · 4.625%
HK$96,329
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,012/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,333
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,454
−HK$3,171/mo
Today · 4.125%
HK$106,625
baseline
▲ 0.50% · 4.625%
HK$113,113
+HK$6,488/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,250/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,620
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,613
−HK$3,037/mo
Today · 4.125%
HK$117,650
baseline
▲ 0.50% · 4.625%
HK$123,851
+HK$6,201/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,300/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,908 · Scale 2, in force from 26 Feb 2026)