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$55,450
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,752/mo
Today · 4.125%
HK$58,927
baseline
▲ 0.50% · 4.625%
HK$62,513
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,854/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,688
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,678/mo
Today · 4.125%
HK$65,020
baseline
▲ 0.50% · 4.625%
HK$68,448
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,040/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,540
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,610
−HK$2,103/mo
Today · 4.125%
HK$70,713
baseline
▲ 0.50% · 4.625%
HK$75,015
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,426/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,025
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,010
−HK$2,014/mo
Today · 4.125%
HK$78,024
baseline
▲ 0.50% · 4.625%
HK$82,137
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,048/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,630
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,045
−HK$2,453/mo
Today · 4.125%
HK$82,498
baseline
▲ 0.50% · 4.625%
HK$87,518
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$164,996/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,363
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,679
−HK$2,349/mo
Today · 4.125%
HK$91,028
baseline
▲ 0.50% · 4.625%
HK$95,827
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,056/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,810
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,915
−HK$3,154/mo
Today · 4.125%
HK$106,069
baseline
▲ 0.50% · 4.625%
HK$112,523
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,138/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,038
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,015
−HK$3,022/mo
Today · 4.125%
HK$117,037
baseline
▲ 0.50% · 4.625%
HK$123,206
+HK$6,169/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,074/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,491 · Scale 2, in force from 26 Feb 2026)