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$55,472
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,198
−HK$1,753/mo
Today · 4.125%
HK$58,951
baseline
▲ 0.50% · 4.625%
HK$62,538
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,902/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,713
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,368
−HK$1,679/mo
Today · 4.125%
HK$65,047
baseline
▲ 0.50% · 4.625%
HK$68,475
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,094/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,567
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,638
−HK$2,103/mo
Today · 4.125%
HK$70,741
baseline
▲ 0.50% · 4.625%
HK$75,046
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,482/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,055
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,041
−HK$2,015/mo
Today · 4.125%
HK$78,056
baseline
▲ 0.50% · 4.625%
HK$82,170
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,112/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,661
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,077
−HK$2,454/mo
Today · 4.125%
HK$82,531
baseline
▲ 0.50% · 4.625%
HK$87,553
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,062/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,398
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,715
−HK$2,350/mo
Today · 4.125%
HK$91,065
baseline
▲ 0.50% · 4.625%
HK$95,866
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,130/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,850
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,956
−HK$3,156/mo
Today · 4.125%
HK$106,112
baseline
▲ 0.50% · 4.625%
HK$112,569
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,224/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,083
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,062
−HK$3,022/mo
Today · 4.125%
HK$117,084
baseline
▲ 0.50% · 4.625%
HK$123,256
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,168/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,910 · Scale 2, in force from 26 Feb 2026)