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$55,415
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,139
−HK$1,751/mo
Today · 4.125%
HK$58,890
baseline
▲ 0.50% · 4.625%
HK$62,473
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,780/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,649
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,302
−HK$1,677/mo
Today · 4.125%
HK$64,979
baseline
▲ 0.50% · 4.625%
HK$68,405
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,958/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,498
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,567
−HK$2,101/mo
Today · 4.125%
HK$70,668
baseline
▲ 0.50% · 4.625%
HK$74,968
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,336/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,978
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,962
−HK$2,013/mo
Today · 4.125%
HK$77,975
baseline
▲ 0.50% · 4.625%
HK$82,085
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,950/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,581
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,994
−HK$2,452/mo
Today · 4.125%
HK$82,446
baseline
▲ 0.50% · 4.625%
HK$87,463
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,892/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,308
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,623
−HK$2,348/mo
Today · 4.125%
HK$90,971
baseline
▲ 0.50% · 4.625%
HK$95,766
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,942/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,747
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,850
−HK$3,152/mo
Today · 4.125%
HK$106,002
baseline
▲ 0.50% · 4.625%
HK$112,452
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,004/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,968
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,944
−HK$3,019/mo
Today · 4.125%
HK$116,963
baseline
▲ 0.50% · 4.625%
HK$123,128
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,926/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,840 · Scale 2, in force from 26 Feb 2026)