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$55,480
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,754/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,587/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,721
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,679/mo
Today · 4.125%
HK$65,055
baseline
▲ 0.50% · 4.625%
HK$68,484
+HK$3,429/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,110/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,576
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$2,104/mo
Today · 4.125%
HK$70,750
baseline
▲ 0.50% · 4.625%
HK$75,055
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,500/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,065
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,051
−HK$2,015/mo
Today · 4.125%
HK$78,066
baseline
▲ 0.50% · 4.625%
HK$82,181
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,132/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,671
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,088
−HK$2,454/mo
Today · 4.125%
HK$82,542
baseline
▲ 0.50% · 4.625%
HK$87,565
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,084/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,409
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,726
−HK$2,351/mo
Today · 4.125%
HK$91,077
baseline
▲ 0.50% · 4.625%
HK$95,878
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,154/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,863
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,970
−HK$3,156/mo
Today · 4.125%
HK$106,126
baseline
▲ 0.50% · 4.625%
HK$112,583
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,252/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,097
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,077
−HK$3,022/mo
Today · 4.125%
HK$117,099
baseline
▲ 0.50% · 4.625%
HK$123,272
+HK$6,173/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,198/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,044 · Scale 2, in force from 26 Feb 2026)