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$55,406
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,130
−HK$1,751/mo
Today · 4.125%
HK$58,881
baseline
▲ 0.50% · 4.625%
HK$62,463
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,762/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,639
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,677/mo
Today · 4.125%
HK$64,969
baseline
▲ 0.50% · 4.625%
HK$68,393
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,938/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,487
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,555
−HK$2,102/mo
Today · 4.125%
HK$70,657
baseline
▲ 0.50% · 4.625%
HK$74,956
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,314/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,966
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,950
−HK$2,013/mo
Today · 4.125%
HK$77,963
baseline
▲ 0.50% · 4.625%
HK$82,072
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,926/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,569
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,981
−HK$2,452/mo
Today · 4.125%
HK$82,433
baseline
▲ 0.50% · 4.625%
HK$87,449
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,866/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,294
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,609
−HK$2,347/mo
Today · 4.125%
HK$90,956
baseline
▲ 0.50% · 4.625%
HK$95,751
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,912/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,731
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,833
−HK$3,152/mo
Today · 4.125%
HK$105,985
baseline
▲ 0.50% · 4.625%
HK$112,434
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,970/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,950
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,925
−HK$3,019/mo
Today · 4.125%
HK$116,944
baseline
▲ 0.50% · 4.625%
HK$123,108
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,888/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,673 · Scale 2, in force from 26 Feb 2026)