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$55,483
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,209
−HK$1,753/mo
Today · 4.125%
HK$58,962
baseline
▲ 0.50% · 4.625%
HK$62,550
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,924/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,724
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,379
−HK$1,680/mo
Today · 4.125%
HK$65,059
baseline
▲ 0.50% · 4.625%
HK$68,488
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,118/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,579
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,650
−HK$2,104/mo
Today · 4.125%
HK$70,754
baseline
▲ 0.50% · 4.625%
HK$75,060
+HK$4,306/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,508/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,069
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,055
−HK$2,016/mo
Today · 4.125%
HK$78,071
baseline
▲ 0.50% · 4.625%
HK$82,186
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,142/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,676
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,092
−HK$2,455/mo
Today · 4.125%
HK$82,547
baseline
▲ 0.50% · 4.625%
HK$87,570
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,094/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,414
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,731
−HK$2,351/mo
Today · 4.125%
HK$91,082
baseline
▲ 0.50% · 4.625%
HK$95,883
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,164/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,869
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,975
−HK$3,157/mo
Today · 4.125%
HK$106,132
baseline
▲ 0.50% · 4.625%
HK$112,589
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,264/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,103
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,083
−HK$3,023/mo
Today · 4.125%
HK$117,106
baseline
▲ 0.50% · 4.625%
HK$123,279
+HK$6,173/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,212/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,102 · Scale 2, in force from 26 Feb 2026)