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$55,346
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,068
−HK$1,749/mo
Today · 4.125%
HK$58,817
baseline
▲ 0.50% · 4.625%
HK$62,396
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,634/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,572
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,223
−HK$1,675/mo
Today · 4.125%
HK$64,898
baseline
▲ 0.50% · 4.625%
HK$68,319
+HK$3,421/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,796/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,415
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,481
−HK$2,099/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,875
+HK$4,295/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,886
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,868
−HK$2,010/mo
Today · 4.125%
HK$77,878
baseline
▲ 0.50% · 4.625%
HK$81,983
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,756/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,484
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,895
−HK$2,448/mo
Today · 4.125%
HK$82,343
baseline
▲ 0.50% · 4.625%
HK$87,354
+HK$5,011/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,686/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,201
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,513
−HK$2,345/mo
Today · 4.125%
HK$90,858
baseline
▲ 0.50% · 4.625%
HK$95,647
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,716/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,623
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,722
−HK$3,148/mo
Today · 4.125%
HK$105,870
baseline
▲ 0.50% · 4.625%
HK$112,312
+HK$6,442/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,740/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,829
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,802
−HK$3,015/mo
Today · 4.125%
HK$116,817
baseline
▲ 0.50% · 4.625%
HK$122,975
+HK$6,158/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,634/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,554 · Scale 2, in force from 26 Feb 2026)