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$55,391
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,114
−HK$1,750/mo
Today · 4.125%
HK$58,864
baseline
▲ 0.50% · 4.625%
HK$62,446
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,728/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,622
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,274
−HK$1,677/mo
Today · 4.125%
HK$64,951
baseline
▲ 0.50% · 4.625%
HK$68,374
+HK$3,423/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,902/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,469
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,536
−HK$2,101/mo
Today · 4.125%
HK$70,637
baseline
▲ 0.50% · 4.625%
HK$74,935
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,274/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,946
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,929
−HK$2,012/mo
Today · 4.125%
HK$77,941
baseline
▲ 0.50% · 4.625%
HK$82,049
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,882/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,547
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,959
−HK$2,451/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$87,424
+HK$5,014/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,270
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,584
−HK$2,347/mo
Today · 4.125%
HK$90,931
baseline
▲ 0.50% · 4.625%
HK$95,724
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,862/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,703
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,804
−HK$3,151/mo
Today · 4.125%
HK$105,955
baseline
▲ 0.50% · 4.625%
HK$112,403
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,910/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,919
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,894
−HK$3,017/mo
Today · 4.125%
HK$116,911
baseline
▲ 0.50% · 4.625%
HK$123,074
+HK$6,163/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,822/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,385 · Scale 2, in force from 26 Feb 2026)