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$55,228
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,946
−HK$1,745/mo
Today · 4.125%
HK$58,691
baseline
▲ 0.50% · 4.625%
HK$62,263
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,382/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,441
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,089
−HK$1,671/mo
Today · 4.125%
HK$64,760
baseline
▲ 0.50% · 4.625%
HK$68,174
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,520/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,274
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,335
−HK$2,095/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,715
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,706
−HK$2,006/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,424/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,319
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,724
−HK$2,444/mo
Today · 4.125%
HK$82,168
baseline
▲ 0.50% · 4.625%
HK$87,168
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,336/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,017
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,324
−HK$2,340/mo
Today · 4.125%
HK$90,664
baseline
▲ 0.50% · 4.625%
HK$95,443
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,328/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,411
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,503
−HK$3,142/mo
Today · 4.125%
HK$105,645
baseline
▲ 0.50% · 4.625%
HK$112,073
+HK$6,428/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,290/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,593
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,559
−HK$3,009/mo
Today · 4.125%
HK$116,568
baseline
▲ 0.50% · 4.625%
HK$122,713
+HK$6,145/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,136/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,357 · Scale 2, in force from 26 Feb 2026)