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$55,428
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,152
−HK$1,752/mo
Today · 4.125%
HK$58,904
baseline
▲ 0.50% · 4.625%
HK$62,488
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,808/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,663
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,317
−HK$1,677/mo
Today · 4.125%
HK$64,994
baseline
▲ 0.50% · 4.625%
HK$68,420
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,988/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,513
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,582
−HK$2,102/mo
Today · 4.125%
HK$70,684
baseline
▲ 0.50% · 4.625%
HK$74,985
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,368/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,996
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,980
−HK$2,013/mo
Today · 4.125%
HK$77,993
baseline
▲ 0.50% · 4.625%
HK$82,104
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,986/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,599
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,013
−HK$2,452/mo
Today · 4.125%
HK$82,465
baseline
▲ 0.50% · 4.625%
HK$87,483
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,930/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,328
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,643
−HK$2,349/mo
Today · 4.125%
HK$90,992
baseline
▲ 0.50% · 4.625%
HK$95,788
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$181,984/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,770
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,874
−HK$3,153/mo
Today · 4.125%
HK$106,027
baseline
▲ 0.50% · 4.625%
HK$112,478
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,054/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,993
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,970
−HK$3,020/mo
Today · 4.125%
HK$116,990
baseline
▲ 0.50% · 4.625%
HK$123,157
+HK$6,167/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,980/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,079 · Scale 2, in force from 26 Feb 2026)