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$55,436
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,161
−HK$1,752/mo
Today · 4.125%
HK$58,913
baseline
▲ 0.50% · 4.625%
HK$62,497
+HK$3,584/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,826/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,672
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,326
−HK$1,678/mo
Today · 4.125%
HK$65,004
baseline
▲ 0.50% · 4.625%
HK$68,431
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,008/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,524
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,593
−HK$2,102/mo
Today · 4.125%
HK$70,695
baseline
▲ 0.50% · 4.625%
HK$74,997
+HK$4,302/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,390/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,007
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,992
−HK$2,013/mo
Today · 4.125%
HK$78,005
baseline
▲ 0.50% · 4.625%
HK$82,117
+HK$4,112/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$156,010/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,611
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,025
−HK$2,453/mo
Today · 4.125%
HK$82,478
baseline
▲ 0.50% · 4.625%
HK$87,496
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,956/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,341
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,657
−HK$2,349/mo
Today · 4.125%
HK$91,006
baseline
▲ 0.50% · 4.625%
HK$95,803
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,012/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,786
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,889
−HK$3,154/mo
Today · 4.125%
HK$106,043
baseline
▲ 0.50% · 4.625%
HK$112,495
+HK$6,452/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,086/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,010
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,988
−HK$3,020/mo
Today · 4.125%
HK$117,008
baseline
▲ 0.50% · 4.625%
HK$123,176
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,016/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,238 · Scale 2, in force from 26 Feb 2026)