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$55,751
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,485
−HK$1,762/mo
Today · 4.125%
HK$59,247
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,605/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$118,494/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,022
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,685
−HK$1,688/mo
Today · 4.125%
HK$65,373
baseline
▲ 0.50% · 4.625%
HK$68,819
+HK$3,446/mo
Deposit HK$12.22M · loan HK$12.22M · min. income ≈ HK$130,746/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,901
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,982
−HK$2,114/mo
Today · 4.125%
HK$71,096
baseline
▲ 0.50% · 4.625%
HK$75,422
+HK$4,326/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,192/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,426
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,422
−HK$2,025/mo
Today · 4.125%
HK$78,447
baseline
▲ 0.50% · 4.625%
HK$82,583
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,894/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,051
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,479
−HK$2,466/mo
Today · 4.125%
HK$82,945
baseline
▲ 0.50% · 4.625%
HK$87,992
+HK$5,047/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$165,890/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,831
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,160
−HK$2,362/mo
Today · 4.125%
HK$91,522
baseline
▲ 0.50% · 4.625%
HK$96,346
+HK$4,824/mo
Deposit HK$7.33M · loan HK$17.11M · min. income ≈ HK$183,044/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,351
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,473
−HK$3,171/mo
Today · 4.125%
HK$106,644
baseline
▲ 0.50% · 4.625%
HK$113,133
+HK$6,489/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$213,288/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,640
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,634
−HK$3,037/mo
Today · 4.125%
HK$117,671
baseline
▲ 0.50% · 4.625%
HK$123,874
+HK$6,203/mo
Deposit HK$2.44M · loan HK$22.00M · min. income ≈ HK$235,342/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,095 · Scale 2, in force from 26 Feb 2026)