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$55,215
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,932
−HK$1,745/mo
Today · 4.125%
HK$58,677
baseline
▲ 0.50% · 4.625%
HK$62,248
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,354/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,426
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,073
−HK$1,672/mo
Today · 4.125%
HK$64,745
baseline
▲ 0.50% · 4.625%
HK$68,158
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,490/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,258
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,319
−HK$2,094/mo
Today · 4.125%
HK$70,413
baseline
▲ 0.50% · 4.625%
HK$74,697
+HK$4,284/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,826/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,711
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,688
−HK$2,006/mo
Today · 4.125%
HK$77,694
baseline
▲ 0.50% · 4.625%
HK$81,789
+HK$4,095/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,388/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,301
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,443/mo
Today · 4.125%
HK$82,148
baseline
▲ 0.50% · 4.625%
HK$87,147
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,296/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,997
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,303
−HK$2,340/mo
Today · 4.125%
HK$90,643
baseline
▲ 0.50% · 4.625%
HK$95,421
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,286/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,387
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,478
−HK$3,141/mo
Today · 4.125%
HK$105,619
baseline
▲ 0.50% · 4.625%
HK$112,046
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,238/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,567
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,532
−HK$3,009/mo
Today · 4.125%
HK$116,541
baseline
▲ 0.50% · 4.625%
HK$122,684
+HK$6,143/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,082/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,111 · Scale 2, in force from 26 Feb 2026)