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$55,377
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,750/mo
Today · 4.125%
HK$58,850
baseline
▲ 0.50% · 4.625%
HK$62,431
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,700/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,606
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,259
−HK$1,676/mo
Today · 4.125%
HK$64,935
baseline
▲ 0.50% · 4.625%
HK$68,358
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,870/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,452
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,519
−HK$2,101/mo
Today · 4.125%
HK$70,620
baseline
▲ 0.50% · 4.625%
HK$74,917
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,240/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,928
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,910
−HK$2,012/mo
Today · 4.125%
HK$77,922
baseline
▲ 0.50% · 4.625%
HK$82,029
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,844/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,528
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,939
−HK$2,451/mo
Today · 4.125%
HK$82,390
baseline
▲ 0.50% · 4.625%
HK$87,403
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,780/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,249
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,562
−HK$2,347/mo
Today · 4.125%
HK$90,909
baseline
▲ 0.50% · 4.625%
HK$95,701
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,818/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,679
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,779
−HK$3,150/mo
Today · 4.125%
HK$105,929
baseline
▲ 0.50% · 4.625%
HK$112,375
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,858/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,892
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,866
−HK$3,017/mo
Today · 4.125%
HK$116,883
baseline
▲ 0.50% · 4.625%
HK$123,044
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,766/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,132 · Scale 2, in force from 26 Feb 2026)