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$55,434
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,158
−HK$1,752/mo
Today · 4.125%
HK$58,910
baseline
▲ 0.50% · 4.625%
HK$62,494
+HK$3,584/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,820/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,669
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,323
−HK$1,678/mo
Today · 4.125%
HK$65,001
baseline
▲ 0.50% · 4.625%
HK$68,427
+HK$3,426/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,002/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,520
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,589
−HK$2,103/mo
Today · 4.125%
HK$70,692
baseline
▲ 0.50% · 4.625%
HK$74,993
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,384/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,003
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,988
−HK$2,013/mo
Today · 4.125%
HK$78,001
baseline
▲ 0.50% · 4.625%
HK$82,113
+HK$4,112/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$156,002/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,607
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,453/mo
Today · 4.125%
HK$82,474
baseline
▲ 0.50% · 4.625%
HK$87,492
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,948/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,337
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,652
−HK$2,349/mo
Today · 4.125%
HK$91,001
baseline
▲ 0.50% · 4.625%
HK$95,798
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,002/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,780
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,884
−HK$3,153/mo
Today · 4.125%
HK$106,037
baseline
▲ 0.50% · 4.625%
HK$112,490
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,074/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,005
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,982
−HK$3,020/mo
Today · 4.125%
HK$117,002
baseline
▲ 0.50% · 4.625%
HK$123,169
+HK$6,167/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,004/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,184 · Scale 2, in force from 26 Feb 2026)