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$55,452
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,177
−HK$1,752/mo
Today · 4.125%
HK$58,929
baseline
▲ 0.50% · 4.625%
HK$62,515
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,858/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,690
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,344
−HK$1,678/mo
Today · 4.125%
HK$65,022
baseline
▲ 0.50% · 4.625%
HK$68,450
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,044/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,542
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,612
−HK$2,103/mo
Today · 4.125%
HK$70,715
baseline
▲ 0.50% · 4.625%
HK$75,018
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,430/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,027
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,013
−HK$2,014/mo
Today · 4.125%
HK$78,027
baseline
▲ 0.50% · 4.625%
HK$82,140
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,054/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,633
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,047
−HK$2,454/mo
Today · 4.125%
HK$82,501
baseline
▲ 0.50% · 4.625%
HK$87,521
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,002/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,365
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,682
−HK$2,349/mo
Today · 4.125%
HK$91,031
baseline
▲ 0.50% · 4.625%
HK$95,830
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,062/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,813
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,918
−HK$3,154/mo
Today · 4.125%
HK$106,072
baseline
▲ 0.50% · 4.625%
HK$112,527
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,144/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,041
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,019
−HK$3,021/mo
Today · 4.125%
HK$117,040
baseline
▲ 0.50% · 4.625%
HK$123,210
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,080/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,525 · Scale 2, in force from 26 Feb 2026)