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$55,223
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,941
−HK$1,745/mo
Today · 4.125%
HK$58,686
baseline
▲ 0.50% · 4.625%
HK$62,257
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,372/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,436
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,672/mo
Today · 4.125%
HK$64,755
baseline
▲ 0.50% · 4.625%
HK$68,168
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,510/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,268
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,330
−HK$2,094/mo
Today · 4.125%
HK$70,424
baseline
▲ 0.50% · 4.625%
HK$74,709
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,848/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,723
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,700
−HK$2,006/mo
Today · 4.125%
HK$77,706
baseline
▲ 0.50% · 4.625%
HK$81,802
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,412/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,313
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,718
−HK$2,443/mo
Today · 4.125%
HK$82,161
baseline
▲ 0.50% · 4.625%
HK$87,160
+HK$4,999/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,322/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,010
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,317
−HK$2,340/mo
Today · 4.125%
HK$90,657
baseline
▲ 0.50% · 4.625%
HK$95,435
+HK$4,778/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,314/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,402
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,494
−HK$3,142/mo
Today · 4.125%
HK$105,636
baseline
▲ 0.50% · 4.625%
HK$112,063
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,272/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,584
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,550
−HK$3,009/mo
Today · 4.125%
HK$116,559
baseline
▲ 0.50% · 4.625%
HK$122,703
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,118/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,270 · Scale 2, in force from 26 Feb 2026)