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$55,302
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,022
−HK$1,748/mo
Today · 4.125%
HK$58,770
baseline
▲ 0.50% · 4.625%
HK$62,346
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,540/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,523
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,173
−HK$1,674/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,265
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,362
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,426
−HK$2,098/mo
Today · 4.125%
HK$70,524
baseline
▲ 0.50% · 4.625%
HK$74,815
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,048/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,827
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,807
−HK$2,009/mo
Today · 4.125%
HK$77,816
baseline
▲ 0.50% · 4.625%
HK$81,918
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,632/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,423
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,831
−HK$2,447/mo
Today · 4.125%
HK$82,278
baseline
▲ 0.50% · 4.625%
HK$87,284
+HK$5,006/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,556/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,132
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,442
−HK$2,343/mo
Today · 4.125%
HK$90,785
baseline
▲ 0.50% · 4.625%
HK$95,571
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,570/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,543
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,640
−HK$3,145/mo
Today · 4.125%
HK$105,785
baseline
▲ 0.50% · 4.625%
HK$112,222
+HK$6,437/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,570/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,741
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,711
−HK$3,013/mo
Today · 4.125%
HK$116,724
baseline
▲ 0.50% · 4.625%
HK$122,876
+HK$6,152/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,448/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,729 · Scale 2, in force from 26 Feb 2026)