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$55,408
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,131
−HK$1,751/mo
Today · 4.125%
HK$58,882
baseline
▲ 0.50% · 4.625%
HK$62,465
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,764/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,641
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,294
−HK$1,677/mo
Today · 4.125%
HK$64,971
baseline
▲ 0.50% · 4.625%
HK$68,396
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,942/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,489
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$2,101/mo
Today · 4.125%
HK$70,659
baseline
▲ 0.50% · 4.625%
HK$74,958
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,318/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,969
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,953
−HK$2,012/mo
Today · 4.125%
HK$77,965
baseline
▲ 0.50% · 4.625%
HK$82,075
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,930/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,571
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,984
−HK$2,451/mo
Today · 4.125%
HK$82,435
baseline
▲ 0.50% · 4.625%
HK$87,451
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,870/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,297
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,611
−HK$2,348/mo
Today · 4.125%
HK$90,959
baseline
▲ 0.50% · 4.625%
HK$95,754
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,918/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,734
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,836
−HK$3,152/mo
Today · 4.125%
HK$105,988
baseline
▲ 0.50% · 4.625%
HK$112,437
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,976/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,953
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,929
−HK$3,019/mo
Today · 4.125%
HK$116,948
baseline
▲ 0.50% · 4.625%
HK$123,112
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,896/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,706 · Scale 2, in force from 26 Feb 2026)