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$55,471
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,197
−HK$1,753/mo
Today · 4.125%
HK$58,950
baseline
▲ 0.50% · 4.625%
HK$62,537
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,900/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,711
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,366
−HK$1,679/mo
Today · 4.125%
HK$65,045
baseline
▲ 0.50% · 4.625%
HK$68,474
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,090/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,565
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,636
−HK$2,104/mo
Today · 4.125%
HK$70,740
baseline
▲ 0.50% · 4.625%
HK$75,044
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,480/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,015/mo
Today · 4.125%
HK$78,054
baseline
▲ 0.50% · 4.625%
HK$82,169
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,108/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,660
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,075
−HK$2,455/mo
Today · 4.125%
HK$82,530
baseline
▲ 0.50% · 4.625%
HK$87,551
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,060/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,396
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,713
−HK$2,350/mo
Today · 4.125%
HK$91,063
baseline
▲ 0.50% · 4.625%
HK$95,863
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,126/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,848
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,954
−HK$3,156/mo
Today · 4.125%
HK$106,110
baseline
▲ 0.50% · 4.625%
HK$112,566
+HK$6,456/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,220/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,080
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,059
−HK$3,022/mo
Today · 4.125%
HK$117,081
baseline
▲ 0.50% · 4.625%
HK$123,253
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,162/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,887 · Scale 2, in force from 26 Feb 2026)