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$55,324
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,748/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,198
−HK$1,675/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,389
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,454
−HK$2,098/mo
Today · 4.125%
HK$70,552
baseline
▲ 0.50% · 4.625%
HK$74,845
+HK$4,293/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,104/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,857
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,838
−HK$2,009/mo
Today · 4.125%
HK$77,847
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,104/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,694/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,454
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,863
−HK$2,448/mo
Today · 4.125%
HK$82,311
baseline
▲ 0.50% · 4.625%
HK$87,319
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,622/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,167
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,477
−HK$2,345/mo
Today · 4.125%
HK$90,822
baseline
▲ 0.50% · 4.625%
HK$95,609
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,644/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,583
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,681
−HK$3,147/mo
Today · 4.125%
HK$105,828
baseline
▲ 0.50% · 4.625%
HK$112,268
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,656/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,786
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,757
−HK$3,014/mo
Today · 4.125%
HK$116,771
baseline
▲ 0.50% · 4.625%
HK$122,926
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,542/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,145 · Scale 2, in force from 26 Feb 2026)