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$55,444
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,168
−HK$1,752/mo
Today · 4.125%
HK$58,920
baseline
▲ 0.50% · 4.625%
HK$62,506
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,840/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,681
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,335
−HK$1,678/mo
Today · 4.125%
HK$65,013
baseline
▲ 0.50% · 4.625%
HK$68,440
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,026/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,602
−HK$2,103/mo
Today · 4.125%
HK$70,705
baseline
▲ 0.50% · 4.625%
HK$75,007
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,410/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,017
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,002
−HK$2,014/mo
Today · 4.125%
HK$78,016
baseline
▲ 0.50% · 4.625%
HK$82,128
+HK$4,112/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,032/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,621
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,036
−HK$2,453/mo
Today · 4.125%
HK$82,489
baseline
▲ 0.50% · 4.625%
HK$87,508
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,978/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,353
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,669
−HK$2,349/mo
Today · 4.125%
HK$91,018
baseline
▲ 0.50% · 4.625%
HK$95,816
+HK$4,798/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,036/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,799
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,903
−HK$3,154/mo
Today · 4.125%
HK$106,057
baseline
▲ 0.50% · 4.625%
HK$112,510
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,114/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,025
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$114,003
−HK$3,020/mo
Today · 4.125%
HK$117,023
baseline
▲ 0.50% · 4.625%
HK$123,192
+HK$6,169/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,046/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,374 · Scale 2, in force from 26 Feb 2026)