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$55,698
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,431
−HK$1,760/mo
Today · 4.125%
HK$59,191
baseline
▲ 0.50% · 4.625%
HK$62,792
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,382/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,964
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,625
−HK$1,686/mo
Today · 4.125%
HK$65,311
baseline
▲ 0.50% · 4.625%
HK$68,754
+HK$3,443/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,622/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,917
−HK$2,112/mo
Today · 4.125%
HK$71,029
baseline
▲ 0.50% · 4.625%
HK$75,351
+HK$4,322/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$142,058/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,356
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,350
−HK$2,023/mo
Today · 4.125%
HK$78,373
baseline
▲ 0.50% · 4.625%
HK$82,505
+HK$4,132/mo
Deposit HK$9.77M · loan HK$14.66M · min. income ≈ HK$156,746/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,977
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,403
−HK$2,464/mo
Today · 4.125%
HK$82,867
baseline
▲ 0.50% · 4.625%
HK$87,909
+HK$5,042/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,734/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,749
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,075
−HK$2,361/mo
Today · 4.125%
HK$91,436
baseline
▲ 0.50% · 4.625%
HK$96,255
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,872/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,256
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,375
−HK$3,168/mo
Today · 4.125%
HK$106,543
baseline
▲ 0.50% · 4.625%
HK$113,026
+HK$6,483/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,086/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,534
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,526
−HK$3,034/mo
Today · 4.125%
HK$117,560
baseline
▲ 0.50% · 4.625%
HK$123,757
+HK$6,197/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,120/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,038,115 · Scale 2, in force from 26 Feb 2026)