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$55,390
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,113
−HK$1,750/mo
Today · 4.125%
HK$58,863
baseline
▲ 0.50% · 4.625%
HK$62,445
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,726/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,620
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,273
−HK$1,677/mo
Today · 4.125%
HK$64,950
baseline
▲ 0.50% · 4.625%
HK$68,373
+HK$3,423/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,900/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,468
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,535
−HK$2,101/mo
Today · 4.125%
HK$70,636
baseline
▲ 0.50% · 4.625%
HK$74,934
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,272/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,945
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,928
−HK$2,012/mo
Today · 4.125%
HK$77,940
baseline
▲ 0.50% · 4.625%
HK$82,048
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,880/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,546
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,958
−HK$2,450/mo
Today · 4.125%
HK$82,408
baseline
▲ 0.50% · 4.625%
HK$87,423
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,816/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,269
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,582
−HK$2,348/mo
Today · 4.125%
HK$90,930
baseline
▲ 0.50% · 4.625%
HK$95,723
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,860/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,701
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,803
−HK$3,151/mo
Today · 4.125%
HK$105,954
baseline
▲ 0.50% · 4.625%
HK$112,401
+HK$6,447/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,908/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,917
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,892
−HK$3,017/mo
Today · 4.125%
HK$116,909
baseline
▲ 0.50% · 4.625%
HK$123,072
+HK$6,163/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,818/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,368 · Scale 2, in force from 26 Feb 2026)