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$55,333
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,054
−HK$1,748/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$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,557
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,675/mo
Today · 4.125%
HK$64,883
baseline
▲ 0.50% · 4.625%
HK$68,303
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,766/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,399
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,465
−HK$2,098/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,850
−HK$2,009/mo
Today · 4.125%
HK$77,859
baseline
▲ 0.50% · 4.625%
HK$81,963
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,718/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,466
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,875
−HK$2,448/mo
Today · 4.125%
HK$82,323
baseline
▲ 0.50% · 4.625%
HK$87,333
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,646/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,180
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,491
−HK$2,345/mo
Today · 4.125%
HK$90,836
baseline
▲ 0.50% · 4.625%
HK$95,624
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,672/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,599
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,697
−HK$3,147/mo
Today · 4.125%
HK$105,844
baseline
▲ 0.50% · 4.625%
HK$112,285
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,688/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,803
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,774
−HK$3,015/mo
Today · 4.125%
HK$116,789
baseline
▲ 0.50% · 4.625%
HK$122,945
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,578/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,304 · Scale 2, in force from 26 Feb 2026)