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$55,456
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,181
−HK$1,753/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,520
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,695
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,349
−HK$1,679/mo
Today · 4.125%
HK$65,028
baseline
▲ 0.50% · 4.625%
HK$68,456
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,056/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,548
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,618
−HK$2,103/mo
Today · 4.125%
HK$70,721
baseline
▲ 0.50% · 4.625%
HK$75,024
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,442/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,034
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,019
−HK$2,014/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,147
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,639
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,054
−HK$2,454/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$87,528
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,373
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,689
−HK$2,350/mo
Today · 4.125%
HK$91,039
baseline
▲ 0.50% · 4.625%
HK$95,838
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,078/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,822
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,927
−HK$3,154/mo
Today · 4.125%
HK$106,081
baseline
▲ 0.50% · 4.625%
HK$112,536
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,162/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,050
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,029
−HK$3,021/mo
Today · 4.125%
HK$117,050
baseline
▲ 0.50% · 4.625%
HK$123,220
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,100/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,611 · Scale 2, in force from 26 Feb 2026)