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$55,314
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,034
−HK$1,749/mo
Today · 4.125%
HK$58,783
baseline
▲ 0.50% · 4.625%
HK$62,359
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,566/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,536
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,187
−HK$1,674/mo
Today · 4.125%
HK$64,861
baseline
▲ 0.50% · 4.625%
HK$68,280
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,722/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,377
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,441
−HK$2,098/mo
Today · 4.125%
HK$70,539
baseline
▲ 0.50% · 4.625%
HK$74,831
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,078/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,843
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,824
−HK$2,009/mo
Today · 4.125%
HK$77,833
baseline
▲ 0.50% · 4.625%
HK$81,936
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,666/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,439
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,848
−HK$2,448/mo
Today · 4.125%
HK$82,296
baseline
▲ 0.50% · 4.625%
HK$87,303
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,592/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,151
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,461
−HK$2,344/mo
Today · 4.125%
HK$90,805
baseline
▲ 0.50% · 4.625%
HK$95,592
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,610/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,565
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,662
−HK$3,147/mo
Today · 4.125%
HK$105,809
baseline
▲ 0.50% · 4.625%
HK$112,247
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,618/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,765
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,736
−HK$3,013/mo
Today · 4.125%
HK$116,749
baseline
▲ 0.50% · 4.625%
HK$122,903
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,498/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,955 · Scale 2, in force from 26 Feb 2026)