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$55,323
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,043
−HK$1,749/mo
Today · 4.125%
HK$58,792
baseline
▲ 0.50% · 4.625%
HK$62,369
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,584/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,546
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,196
−HK$1,675/mo
Today · 4.125%
HK$64,871
baseline
▲ 0.50% · 4.625%
HK$68,290
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,742/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,387
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,452
−HK$2,098/mo
Today · 4.125%
HK$70,550
baseline
▲ 0.50% · 4.625%
HK$74,843
+HK$4,293/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,100/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,855
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,836
−HK$2,009/mo
Today · 4.125%
HK$77,845
baseline
▲ 0.50% · 4.625%
HK$81,948
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,690/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,452
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,861
−HK$2,448/mo
Today · 4.125%
HK$82,309
baseline
▲ 0.50% · 4.625%
HK$87,317
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,618/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,164
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,475
−HK$2,344/mo
Today · 4.125%
HK$90,819
baseline
▲ 0.50% · 4.625%
HK$95,607
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,638/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,581
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,678
−HK$3,147/mo
Today · 4.125%
HK$105,825
baseline
▲ 0.50% · 4.625%
HK$112,264
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,650/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,782
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,754
−HK$3,014/mo
Today · 4.125%
HK$116,768
baseline
▲ 0.50% · 4.625%
HK$122,923
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,536/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,117 · Scale 2, in force from 26 Feb 2026)