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$55,327
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,048
−HK$1,749/mo
Today · 4.125%
HK$58,797
baseline
▲ 0.50% · 4.625%
HK$62,375
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,594/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,551
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,675/mo
Today · 4.125%
HK$64,877
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,754/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,393
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,458
−HK$2,098/mo
Today · 4.125%
HK$70,556
baseline
▲ 0.50% · 4.625%
HK$74,850
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,112/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,861
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,842
−HK$2,010/mo
Today · 4.125%
HK$77,852
baseline
▲ 0.50% · 4.625%
HK$81,956
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,704/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,458
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,868
−HK$2,448/mo
Today · 4.125%
HK$82,316
baseline
▲ 0.50% · 4.625%
HK$87,324
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,632/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,483
−HK$2,344/mo
Today · 4.125%
HK$90,827
baseline
▲ 0.50% · 4.625%
HK$95,615
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,654/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,589
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,687
−HK$3,148/mo
Today · 4.125%
HK$105,835
baseline
▲ 0.50% · 4.625%
HK$112,274
+HK$6,439/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,792
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,764
−HK$3,014/mo
Today · 4.125%
HK$116,778
baseline
▲ 0.50% · 4.625%
HK$122,933
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,556/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,207 · Scale 2, in force from 26 Feb 2026)