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$55,491
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,217
−HK$1,754/mo
Today · 4.125%
HK$58,971
baseline
▲ 0.50% · 4.625%
HK$62,559
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,942/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,733
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,389
−HK$1,679/mo
Today · 4.125%
HK$65,068
baseline
▲ 0.50% · 4.625%
HK$68,498
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,136/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,589
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,660
−HK$2,105/mo
Today · 4.125%
HK$70,765
baseline
▲ 0.50% · 4.625%
HK$75,071
+HK$4,306/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,530/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,080
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,066
−HK$2,016/mo
Today · 4.125%
HK$78,082
baseline
▲ 0.50% · 4.625%
HK$82,198
+HK$4,116/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,164/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,687
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,104
−HK$2,455/mo
Today · 4.125%
HK$82,559
baseline
▲ 0.50% · 4.625%
HK$87,582
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,118/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,426
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,744
−HK$2,352/mo
Today · 4.125%
HK$91,096
baseline
▲ 0.50% · 4.625%
HK$95,897
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,192/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,884
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,991
−HK$3,156/mo
Today · 4.125%
HK$106,147
baseline
▲ 0.50% · 4.625%
HK$112,606
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,294/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,120
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,100
−HK$3,023/mo
Today · 4.125%
HK$117,123
baseline
▲ 0.50% · 4.625%
HK$123,297
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,246/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,254 · Scale 2, in force from 26 Feb 2026)