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$55,413
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,137
−HK$1,751/mo
Today · 4.125%
HK$58,888
baseline
▲ 0.50% · 4.625%
HK$62,471
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,776/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,647
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,300
−HK$1,677/mo
Today · 4.125%
HK$64,977
baseline
▲ 0.50% · 4.625%
HK$68,402
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,954/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,496
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,564
−HK$2,102/mo
Today · 4.125%
HK$70,666
baseline
▲ 0.50% · 4.625%
HK$74,966
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,332/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,976
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,960
−HK$2,013/mo
Today · 4.125%
HK$77,973
baseline
▲ 0.50% · 4.625%
HK$82,083
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,946/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,578
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,992
−HK$2,451/mo
Today · 4.125%
HK$82,443
baseline
▲ 0.50% · 4.625%
HK$87,460
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,886/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,305
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,620
−HK$2,348/mo
Today · 4.125%
HK$90,968
baseline
▲ 0.50% · 4.625%
HK$95,763
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,936/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,744
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,846
−HK$3,152/mo
Today · 4.125%
HK$105,998
baseline
▲ 0.50% · 4.625%
HK$112,448
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,996/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,964
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,940
−HK$3,019/mo
Today · 4.125%
HK$116,959
baseline
▲ 0.50% · 4.625%
HK$123,124
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,918/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,805 · Scale 2, in force from 26 Feb 2026)