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$55,423
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,751/mo
Today · 4.125%
HK$58,898
baseline
▲ 0.50% · 4.625%
HK$62,482
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,796/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,657
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,311
−HK$1,677/mo
Today · 4.125%
HK$64,988
baseline
▲ 0.50% · 4.625%
HK$68,414
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,976/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,507
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,576
−HK$2,102/mo
Today · 4.125%
HK$70,678
baseline
▲ 0.50% · 4.625%
HK$74,978
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,356/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,989
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,973
−HK$2,013/mo
Today · 4.125%
HK$77,986
baseline
▲ 0.50% · 4.625%
HK$82,097
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,972/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,592
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,005
−HK$2,452/mo
Today · 4.125%
HK$82,457
baseline
▲ 0.50% · 4.625%
HK$87,475
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,914/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,320
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,635
−HK$2,349/mo
Today · 4.125%
HK$90,984
baseline
▲ 0.50% · 4.625%
HK$95,779
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,968/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,761
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,864
−HK$3,153/mo
Today · 4.125%
HK$106,017
baseline
▲ 0.50% · 4.625%
HK$112,468
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,034/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,983
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,959
−HK$3,020/mo
Today · 4.125%
HK$116,979
baseline
▲ 0.50% · 4.625%
HK$123,145
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,958/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,982 · Scale 2, in force from 26 Feb 2026)