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$55,496
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,222
−HK$1,754/mo
Today · 4.125%
HK$58,976
baseline
▲ 0.50% · 4.625%
HK$62,565
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,952/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,739
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,395
−HK$1,679/mo
Today · 4.125%
HK$65,074
baseline
▲ 0.50% · 4.625%
HK$68,505
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,148/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,595
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,667
−HK$2,104/mo
Today · 4.125%
HK$70,771
baseline
▲ 0.50% · 4.625%
HK$75,078
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,542/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,087
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,074
−HK$2,015/mo
Today · 4.125%
HK$78,089
baseline
▲ 0.50% · 4.625%
HK$82,205
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,178/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,695
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,111
−HK$2,456/mo
Today · 4.125%
HK$82,567
baseline
▲ 0.50% · 4.625%
HK$87,591
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,134/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,434
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,753
−HK$2,351/mo
Today · 4.125%
HK$91,104
baseline
▲ 0.50% · 4.625%
HK$95,906
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,208/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,893
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$103,000
−HK$3,157/mo
Today · 4.125%
HK$106,157
baseline
▲ 0.50% · 4.625%
HK$112,617
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,314/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,130
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,110
−HK$3,024/mo
Today · 4.125%
HK$117,134
baseline
▲ 0.50% · 4.625%
HK$123,308
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,268/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,351 · Scale 2, in force from 26 Feb 2026)