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$55,682
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,759/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,774
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,945
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,607
−HK$1,685/mo
Today · 4.125%
HK$65,292
baseline
▲ 0.50% · 4.625%
HK$68,734
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,584/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,818
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,896
−HK$2,112/mo
Today · 4.125%
HK$71,008
baseline
▲ 0.50% · 4.625%
HK$75,329
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,016/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,334
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,328
−HK$2,022/mo
Today · 4.125%
HK$78,350
baseline
▲ 0.50% · 4.625%
HK$82,480
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,700/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,954
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,379
−HK$2,464/mo
Today · 4.125%
HK$82,843
baseline
▲ 0.50% · 4.625%
HK$87,884
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$165,686/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,723
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,049
−HK$2,360/mo
Today · 4.125%
HK$91,409
baseline
▲ 0.50% · 4.625%
HK$96,227
+HK$4,818/mo
Deposit HK$7.33M · loan HK$17.09M · min. income ≈ HK$182,818/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,227
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,345
−HK$3,167/mo
Today · 4.125%
HK$106,512
baseline
▲ 0.50% · 4.625%
HK$112,993
+HK$6,481/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,024/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,502
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,492
−HK$3,034/mo
Today · 4.125%
HK$117,526
baseline
▲ 0.50% · 4.625%
HK$123,721
+HK$6,195/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,052/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,810 · Scale 2, in force from 26 Feb 2026)