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$55,313
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,034
−HK$1,748/mo
Today · 4.125%
HK$58,782
baseline
▲ 0.50% · 4.625%
HK$62,359
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,564/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,536
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,674/mo
Today · 4.125%
HK$64,860
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,720/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,376
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,441
−HK$2,097/mo
Today · 4.125%
HK$70,538
baseline
▲ 0.50% · 4.625%
HK$74,830
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,076/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,843
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,823
−HK$2,009/mo
Today · 4.125%
HK$77,832
baseline
▲ 0.50% · 4.625%
HK$81,935
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,664/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,439
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,847
−HK$2,448/mo
Today · 4.125%
HK$82,295
baseline
▲ 0.50% · 4.625%
HK$87,302
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,590/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,150
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,460
−HK$2,344/mo
Today · 4.125%
HK$90,804
baseline
▲ 0.50% · 4.625%
HK$95,591
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,608/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,564
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,661
−HK$3,147/mo
Today · 4.125%
HK$105,808
baseline
▲ 0.50% · 4.625%
HK$112,246
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,616/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,764
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,735
−HK$3,013/mo
Today · 4.125%
HK$116,748
baseline
▲ 0.50% · 4.625%
HK$122,902
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,496/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,945 · Scale 2, in force from 26 Feb 2026)