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$55,489
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,215
−HK$1,754/mo
Today · 4.125%
HK$58,969
baseline
▲ 0.50% · 4.625%
HK$62,557
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,938/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,731
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,387
−HK$1,680/mo
Today · 4.125%
HK$65,067
baseline
▲ 0.50% · 4.625%
HK$68,496
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,134/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,587
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,659
−HK$2,104/mo
Today · 4.125%
HK$70,763
baseline
▲ 0.50% · 4.625%
HK$75,069
+HK$4,306/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,526/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,078
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,064
−HK$2,016/mo
Today · 4.125%
HK$78,080
baseline
▲ 0.50% · 4.625%
HK$82,196
+HK$4,116/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,160/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,685
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,102
−HK$2,455/mo
Today · 4.125%
HK$82,557
baseline
▲ 0.50% · 4.625%
HK$87,580
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,114/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,424
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,742
−HK$2,351/mo
Today · 4.125%
HK$91,093
baseline
▲ 0.50% · 4.625%
HK$95,895
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,186/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,881
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,988
−HK$3,156/mo
Today · 4.125%
HK$106,144
baseline
▲ 0.50% · 4.625%
HK$112,603
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,288/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,117
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,097
−HK$3,023/mo
Today · 4.125%
HK$117,120
baseline
▲ 0.50% · 4.625%
HK$123,293
+HK$6,173/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,240/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,226 · Scale 2, in force from 26 Feb 2026)