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$55,304
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,024
−HK$1,748/mo
Today · 4.125%
HK$58,772
baseline
▲ 0.50% · 4.625%
HK$62,348
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,544/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,525
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,175
−HK$1,674/mo
Today · 4.125%
HK$64,849
baseline
▲ 0.50% · 4.625%
HK$68,268
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,698/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,365
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$2,098/mo
Today · 4.125%
HK$70,527
baseline
▲ 0.50% · 4.625%
HK$74,818
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,054/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,830
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,811
−HK$2,008/mo
Today · 4.125%
HK$77,819
baseline
▲ 0.50% · 4.625%
HK$81,921
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,638/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,426
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,834
−HK$2,447/mo
Today · 4.125%
HK$82,281
baseline
▲ 0.50% · 4.625%
HK$87,288
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,562/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,136
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,446
−HK$2,343/mo
Today · 4.125%
HK$90,789
baseline
▲ 0.50% · 4.625%
HK$95,575
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,578/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,548
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,644
−HK$3,146/mo
Today · 4.125%
HK$105,790
baseline
▲ 0.50% · 4.625%
HK$112,227
+HK$6,437/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,580/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,746
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,716
−HK$3,013/mo
Today · 4.125%
HK$116,729
baseline
▲ 0.50% · 4.625%
HK$122,882
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,458/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,775 · Scale 2, in force from 26 Feb 2026)