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$55,498
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,224
−HK$1,754/mo
Today · 4.125%
HK$58,978
baseline
▲ 0.50% · 4.625%
HK$62,567
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,956/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,741
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,397
−HK$1,680/mo
Today · 4.125%
HK$65,077
baseline
▲ 0.50% · 4.625%
HK$68,507
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,154/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,598
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,669
−HK$2,105/mo
Today · 4.125%
HK$70,774
baseline
▲ 0.50% · 4.625%
HK$75,080
+HK$4,306/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,548/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,089
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,076
−HK$2,016/mo
Today · 4.125%
HK$78,092
baseline
▲ 0.50% · 4.625%
HK$82,208
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,184/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,697
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,114
−HK$2,456/mo
Today · 4.125%
HK$82,570
baseline
▲ 0.50% · 4.625%
HK$87,594
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,140/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,437
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,756
−HK$2,351/mo
Today · 4.125%
HK$91,107
baseline
▲ 0.50% · 4.625%
HK$95,910
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,214/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,896
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,004
−HK$3,157/mo
Today · 4.125%
HK$106,161
baseline
▲ 0.50% · 4.625%
HK$112,620
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,322/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,134
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,114
−HK$3,024/mo
Today · 4.125%
HK$117,138
baseline
▲ 0.50% · 4.625%
HK$123,313
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,276/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,387 · Scale 2, in force from 26 Feb 2026)