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$55,402
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,125
−HK$1,751/mo
Today · 4.125%
HK$58,876
baseline
▲ 0.50% · 4.625%
HK$62,459
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,752/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,634
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,287
−HK$1,677/mo
Today · 4.125%
HK$64,964
baseline
▲ 0.50% · 4.625%
HK$68,389
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,928/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,483
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,551
−HK$2,101/mo
Today · 4.125%
HK$70,652
baseline
▲ 0.50% · 4.625%
HK$74,951
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,304/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,961
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,945
−HK$2,012/mo
Today · 4.125%
HK$77,957
baseline
▲ 0.50% · 4.625%
HK$82,066
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,914/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,563
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,976
−HK$2,451/mo
Today · 4.125%
HK$82,427
baseline
▲ 0.50% · 4.625%
HK$87,442
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,854/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,288
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,602
−HK$2,348/mo
Today · 4.125%
HK$90,950
baseline
▲ 0.50% · 4.625%
HK$95,744
+HK$4,794/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,900/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,724
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,826
−HK$3,151/mo
Today · 4.125%
HK$105,977
baseline
▲ 0.50% · 4.625%
HK$112,426
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,954/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,942
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,917
−HK$3,019/mo
Today · 4.125%
HK$116,936
baseline
▲ 0.50% · 4.625%
HK$123,099
+HK$6,163/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,872/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,599 · Scale 2, in force from 26 Feb 2026)