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$55,497
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,754/mo
Today · 4.125%
HK$58,977
baseline
▲ 0.50% · 4.625%
HK$62,566
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,954/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,740
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,396
−HK$1,680/mo
Today · 4.125%
HK$65,076
baseline
▲ 0.50% · 4.625%
HK$68,506
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,152/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,597
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$2,105/mo
Today · 4.125%
HK$70,773
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$4,306/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,546/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,088
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,075
−HK$2,016/mo
Today · 4.125%
HK$78,091
baseline
▲ 0.50% · 4.625%
HK$82,207
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,182/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,696
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,113
−HK$2,455/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$87,592
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,436
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,754
−HK$2,352/mo
Today · 4.125%
HK$91,106
baseline
▲ 0.50% · 4.625%
HK$95,908
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,212/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,895
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$103,002
−HK$3,157/mo
Today · 4.125%
HK$106,159
baseline
▲ 0.50% · 4.625%
HK$112,619
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,318/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,132
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,113
−HK$3,023/mo
Today · 4.125%
HK$117,136
baseline
▲ 0.50% · 4.625%
HK$123,311
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,272/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,371 · Scale 2, in force from 26 Feb 2026)