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$55,701
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,434
−HK$1,760/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,602/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,967
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,686/mo
Today · 4.125%
HK$65,315
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,630/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,842
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,921
−HK$2,112/mo
Today · 4.125%
HK$71,033
baseline
▲ 0.50% · 4.625%
HK$75,355
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,066/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,361
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,355
−HK$2,023/mo
Today · 4.125%
HK$78,378
baseline
▲ 0.50% · 4.625%
HK$82,510
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,756/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,982
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,408
−HK$2,464/mo
Today · 4.125%
HK$82,872
baseline
▲ 0.50% · 4.625%
HK$87,915
+HK$5,043/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,744/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,754
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,081
−HK$2,360/mo
Today · 4.125%
HK$91,441
baseline
▲ 0.50% · 4.625%
HK$96,261
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,882/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,262
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,381
−HK$3,169/mo
Today · 4.125%
HK$106,550
baseline
▲ 0.50% · 4.625%
HK$113,033
+HK$6,483/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,100/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,541
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,532
−HK$3,035/mo
Today · 4.125%
HK$117,567
baseline
▲ 0.50% · 4.625%
HK$123,764
+HK$6,197/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,134/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,177 · Scale 2, in force from 26 Feb 2026)