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$55,508
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,234
−HK$1,754/mo
Today · 4.125%
HK$58,988
baseline
▲ 0.50% · 4.625%
HK$62,578
+HK$3,590/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,976/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,752
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,408
−HK$1,680/mo
Today · 4.125%
HK$65,088
baseline
▲ 0.50% · 4.625%
HK$68,519
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,176/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,609
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,681
−HK$2,105/mo
Today · 4.125%
HK$70,786
baseline
▲ 0.50% · 4.625%
HK$75,093
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,572/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,102
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,089
−HK$2,016/mo
Today · 4.125%
HK$78,105
baseline
▲ 0.50% · 4.625%
HK$82,222
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,210/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,711
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,128
−HK$2,456/mo
Today · 4.125%
HK$82,584
baseline
▲ 0.50% · 4.625%
HK$87,609
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,168/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,452
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,771
−HK$2,352/mo
Today · 4.125%
HK$91,123
baseline
▲ 0.50% · 4.625%
HK$95,926
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,246/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,914
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,022
−HK$3,157/mo
Today · 4.125%
HK$106,179
baseline
▲ 0.50% · 4.625%
HK$112,640
+HK$6,461/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,358/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,153
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,134
−HK$3,024/mo
Today · 4.125%
HK$117,158
baseline
▲ 0.50% · 4.625%
HK$123,334
+HK$6,176/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,316/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,565 · Scale 2, in force from 26 Feb 2026)