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$55,379
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,102
−HK$1,750/mo
Today · 4.125%
HK$58,852
baseline
▲ 0.50% · 4.625%
HK$62,433
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,704/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,609
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,261
−HK$1,677/mo
Today · 4.125%
HK$64,938
baseline
▲ 0.50% · 4.625%
HK$68,360
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,876/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,455
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$2,101/mo
Today · 4.125%
HK$70,623
baseline
▲ 0.50% · 4.625%
HK$74,920
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,246/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,931
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,914
−HK$2,011/mo
Today · 4.125%
HK$77,925
baseline
▲ 0.50% · 4.625%
HK$82,033
+HK$4,108/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,850/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,531
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,943
−HK$2,450/mo
Today · 4.125%
HK$82,393
baseline
▲ 0.50% · 4.625%
HK$87,406
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,786/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,253
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,566
−HK$2,347/mo
Today · 4.125%
HK$90,913
baseline
▲ 0.50% · 4.625%
HK$95,705
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,826/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,683
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,784
−HK$3,150/mo
Today · 4.125%
HK$105,934
baseline
▲ 0.50% · 4.625%
HK$112,380
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,868/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,896
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,870
−HK$3,018/mo
Today · 4.125%
HK$116,888
baseline
▲ 0.50% · 4.625%
HK$123,049
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,776/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,175 · Scale 2, in force from 26 Feb 2026)