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$55,744
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,762/mo
Today · 4.125%
HK$59,240
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,480/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,015
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,688/mo
Today · 4.125%
HK$65,366
baseline
▲ 0.50% · 4.625%
HK$68,811
+HK$3,445/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$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,893
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,974
−HK$2,114/mo
Today · 4.125%
HK$71,088
baseline
▲ 0.50% · 4.625%
HK$75,414
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,176/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,418
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,414
−HK$2,025/mo
Today · 4.125%
HK$78,439
baseline
▲ 0.50% · 4.625%
HK$82,573
+HK$4,134/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$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,042
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,470
−HK$2,466/mo
Today · 4.125%
HK$82,936
baseline
▲ 0.50% · 4.625%
HK$87,983
+HK$5,047/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,872/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,821
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,150
−HK$2,362/mo
Today · 4.125%
HK$91,512
baseline
▲ 0.50% · 4.625%
HK$96,335
+HK$4,823/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,024/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,340
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,461
−HK$3,171/mo
Today · 4.125%
HK$106,632
baseline
▲ 0.50% · 4.625%
HK$113,120
+HK$6,488/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,264/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,627
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,621
−HK$3,037/mo
Today · 4.125%
HK$117,658
baseline
▲ 0.50% · 4.625%
HK$123,860
+HK$6,202/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,316/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,978 · Scale 2, in force from 26 Feb 2026)