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$55,704
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,437
−HK$1,760/mo
Today · 4.125%
HK$59,197
baseline
▲ 0.50% · 4.625%
HK$62,799
+HK$3,602/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,394/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,970
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,632
−HK$1,686/mo
Today · 4.125%
HK$65,318
baseline
▲ 0.50% · 4.625%
HK$68,761
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,636/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,845
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,924
−HK$2,113/mo
Today · 4.125%
HK$71,037
baseline
▲ 0.50% · 4.625%
HK$75,359
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,074/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,364
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,359
−HK$2,023/mo
Today · 4.125%
HK$78,382
baseline
▲ 0.50% · 4.625%
HK$82,514
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,764/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,986
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,412
−HK$2,464/mo
Today · 4.125%
HK$82,876
baseline
▲ 0.50% · 4.625%
HK$87,919
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,752/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,758
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,085
−HK$2,361/mo
Today · 4.125%
HK$91,446
baseline
▲ 0.50% · 4.625%
HK$96,266
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,892/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,267
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,386
−HK$3,169/mo
Today · 4.125%
HK$106,555
baseline
▲ 0.50% · 4.625%
HK$113,039
+HK$6,484/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$213,110/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,546
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,538
−HK$3,035/mo
Today · 4.125%
HK$117,573
baseline
▲ 0.50% · 4.625%
HK$123,770
+HK$6,197/mo
Deposit HK$2.44M · loan HK$21.99M · min. income ≈ HK$235,146/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,227 · Scale 2, in force from 26 Feb 2026)