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$55,332
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,749/mo
Today · 4.125%
HK$58,802
baseline
▲ 0.50% · 4.625%
HK$62,380
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,604/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,556
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,207
−HK$1,675/mo
Today · 4.125%
HK$64,882
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,764/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,398
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,464
−HK$2,098/mo
Today · 4.125%
HK$70,562
baseline
▲ 0.50% · 4.625%
HK$74,856
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,124/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,867
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,009/mo
Today · 4.125%
HK$77,858
baseline
▲ 0.50% · 4.625%
HK$81,962
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,716/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,465
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,874
−HK$2,448/mo
Today · 4.125%
HK$82,322
baseline
▲ 0.50% · 4.625%
HK$87,332
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,644/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,179
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,490
−HK$2,345/mo
Today · 4.125%
HK$90,835
baseline
▲ 0.50% · 4.625%
HK$95,623
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,670/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,597
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,696
−HK$3,147/mo
Today · 4.125%
HK$105,843
baseline
▲ 0.50% · 4.625%
HK$112,283
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,686/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,801
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,773
−HK$3,014/mo
Today · 4.125%
HK$116,787
baseline
▲ 0.50% · 4.625%
HK$122,943
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,574/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,291 · Scale 2, in force from 26 Feb 2026)