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$55,317
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,037
−HK$1,749/mo
Today · 4.125%
HK$58,786
baseline
▲ 0.50% · 4.625%
HK$62,363
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,572/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,539
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,190
−HK$1,674/mo
Today · 4.125%
HK$64,864
baseline
▲ 0.50% · 4.625%
HK$68,283
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,728/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,380
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,445
−HK$2,098/mo
Today · 4.125%
HK$70,543
baseline
▲ 0.50% · 4.625%
HK$74,835
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,086/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,847
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,828
−HK$2,009/mo
Today · 4.125%
HK$77,837
baseline
▲ 0.50% · 4.625%
HK$81,940
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,674/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,443
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,852
−HK$2,448/mo
Today · 4.125%
HK$82,300
baseline
▲ 0.50% · 4.625%
HK$87,308
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,600/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,155
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,466
−HK$2,344/mo
Today · 4.125%
HK$90,810
baseline
▲ 0.50% · 4.625%
HK$95,596
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,620/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,570
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,667
−HK$3,147/mo
Today · 4.125%
HK$105,814
baseline
▲ 0.50% · 4.625%
HK$112,253
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,628/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,771
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,742
−HK$3,013/mo
Today · 4.125%
HK$116,755
baseline
▲ 0.50% · 4.625%
HK$122,910
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,510/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,008 · Scale 2, in force from 26 Feb 2026)