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$55,385
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,108
−HK$1,750/mo
Today · 4.125%
HK$58,858
baseline
▲ 0.50% · 4.625%
HK$62,439
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,716/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,615
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,268
−HK$1,676/mo
Today · 4.125%
HK$64,944
baseline
▲ 0.50% · 4.625%
HK$68,367
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,888/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,462
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,529
−HK$2,101/mo
Today · 4.125%
HK$70,630
baseline
▲ 0.50% · 4.625%
HK$74,927
+HK$4,297/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,260/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,938
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,921
−HK$2,012/mo
Today · 4.125%
HK$77,933
baseline
▲ 0.50% · 4.625%
HK$82,041
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,866/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,539
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,951
−HK$2,450/mo
Today · 4.125%
HK$82,401
baseline
▲ 0.50% · 4.625%
HK$87,415
+HK$5,014/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,802/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,261
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,575
−HK$2,347/mo
Today · 4.125%
HK$90,922
baseline
▲ 0.50% · 4.625%
HK$95,714
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,844/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,693
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,794
−HK$3,150/mo
Today · 4.125%
HK$105,944
baseline
▲ 0.50% · 4.625%
HK$112,391
+HK$6,447/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,888/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,907
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,882
−HK$3,017/mo
Today · 4.125%
HK$116,899
baseline
▲ 0.50% · 4.625%
HK$123,061
+HK$6,162/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,798/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,278 · Scale 2, in force from 26 Feb 2026)