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$55,225
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,942
−HK$1,746/mo
Today · 4.125%
HK$58,688
baseline
▲ 0.50% · 4.625%
HK$62,259
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,376/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,437
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,084
−HK$1,672/mo
Today · 4.125%
HK$64,756
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,512/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,269
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,331
−HK$2,094/mo
Today · 4.125%
HK$70,425
baseline
▲ 0.50% · 4.625%
HK$74,710
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,850/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,724
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,701
−HK$2,006/mo
Today · 4.125%
HK$77,707
baseline
▲ 0.50% · 4.625%
HK$81,803
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,414/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,314
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,719
−HK$2,444/mo
Today · 4.125%
HK$82,163
baseline
▲ 0.50% · 4.625%
HK$87,162
+HK$4,999/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,326/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,011
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,318
−HK$2,340/mo
Today · 4.125%
HK$90,658
baseline
▲ 0.50% · 4.625%
HK$95,437
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,316/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,404
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,496
−HK$3,142/mo
Today · 4.125%
HK$105,638
baseline
▲ 0.50% · 4.625%
HK$112,065
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,276/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,586
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,552
−HK$3,009/mo
Today · 4.125%
HK$116,561
baseline
▲ 0.50% · 4.625%
HK$122,705
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,122/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,289 · Scale 2, in force from 26 Feb 2026)