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$55,315
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,036
−HK$1,748/mo
Today · 4.125%
HK$58,784
baseline
▲ 0.50% · 4.625%
HK$62,361
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,568/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,538
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,188
−HK$1,675/mo
Today · 4.125%
HK$64,863
baseline
▲ 0.50% · 4.625%
HK$68,282
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,726/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,379
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$2,098/mo
Today · 4.125%
HK$70,541
baseline
▲ 0.50% · 4.625%
HK$74,833
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,082/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,845
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,826
−HK$2,009/mo
Today · 4.125%
HK$77,835
baseline
▲ 0.50% · 4.625%
HK$81,938
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,670/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,442
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,850
−HK$2,448/mo
Today · 4.125%
HK$82,298
baseline
▲ 0.50% · 4.625%
HK$87,306
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,596/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,153
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,464
−HK$2,344/mo
Today · 4.125%
HK$90,808
baseline
▲ 0.50% · 4.625%
HK$95,594
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,616/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,568
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,665
−HK$3,147/mo
Today · 4.125%
HK$105,812
baseline
▲ 0.50% · 4.625%
HK$112,250
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,624/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,768
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,739
−HK$3,014/mo
Today · 4.125%
HK$116,753
baseline
▲ 0.50% · 4.625%
HK$122,907
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,506/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,984 · Scale 2, in force from 26 Feb 2026)