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$55,504
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,231
−HK$1,754/mo
Today · 4.125%
HK$58,985
baseline
▲ 0.50% · 4.625%
HK$62,574
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,970/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,748
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,404
−HK$1,680/mo
Today · 4.125%
HK$65,084
baseline
▲ 0.50% · 4.625%
HK$68,515
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,168/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,605
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,677
−HK$2,105/mo
Today · 4.125%
HK$70,782
baseline
▲ 0.50% · 4.625%
HK$75,089
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,564/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,097
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,085
−HK$2,016/mo
Today · 4.125%
HK$78,101
baseline
▲ 0.50% · 4.625%
HK$82,218
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,202/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,706
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,123
−HK$2,456/mo
Today · 4.125%
HK$82,579
baseline
▲ 0.50% · 4.625%
HK$87,603
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,158/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,447
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,766
−HK$2,352/mo
Today · 4.125%
HK$91,118
baseline
▲ 0.50% · 4.625%
HK$95,920
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,236/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,908
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,015
−HK$3,158/mo
Today · 4.125%
HK$106,173
baseline
▲ 0.50% · 4.625%
HK$112,633
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,346/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,146
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,127
−HK$3,024/mo
Today · 4.125%
HK$117,151
baseline
▲ 0.50% · 4.625%
HK$123,326
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,302/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,502 · Scale 2, in force from 26 Feb 2026)