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$55,458
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,183
−HK$1,753/mo
Today · 4.125%
HK$58,936
baseline
▲ 0.50% · 4.625%
HK$62,522
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,872/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,696
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,679/mo
Today · 4.125%
HK$65,030
baseline
▲ 0.50% · 4.625%
HK$68,457
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,060/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$2,104/mo
Today · 4.125%
HK$70,723
baseline
▲ 0.50% · 4.625%
HK$75,026
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,446/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,036
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,021
−HK$2,014/mo
Today · 4.125%
HK$78,035
baseline
▲ 0.50% · 4.625%
HK$82,149
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,070/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,641
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,056
−HK$2,454/mo
Today · 4.125%
HK$82,510
baseline
▲ 0.50% · 4.625%
HK$87,530
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,020/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,375
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,691
−HK$2,350/mo
Today · 4.125%
HK$91,041
baseline
▲ 0.50% · 4.625%
HK$95,840
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,082/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,824
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,929
−HK$3,155/mo
Today · 4.125%
HK$106,084
baseline
▲ 0.50% · 4.625%
HK$112,539
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,168/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,053
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,032
−HK$3,021/mo
Today · 4.125%
HK$117,053
baseline
▲ 0.50% · 4.625%
HK$123,223
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,106/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,638 · Scale 2, in force from 26 Feb 2026)