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$55,246
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,964
−HK$1,746/mo
Today · 4.125%
HK$58,710
baseline
▲ 0.50% · 4.625%
HK$62,282
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,420/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,460
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,108
−HK$1,673/mo
Today · 4.125%
HK$64,781
baseline
▲ 0.50% · 4.625%
HK$68,195
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,562/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,295
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$2,095/mo
Today · 4.125%
HK$70,452
baseline
▲ 0.50% · 4.625%
HK$74,739
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,904/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,752
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,730
−HK$2,007/mo
Today · 4.125%
HK$77,737
baseline
▲ 0.50% · 4.625%
HK$81,834
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,474/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,344
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,750
−HK$2,444/mo
Today · 4.125%
HK$82,194
baseline
▲ 0.50% · 4.625%
HK$87,195
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,388/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,044
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,352
−HK$2,341/mo
Today · 4.125%
HK$90,693
baseline
▲ 0.50% · 4.625%
HK$95,473
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,386/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,442
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,535
−HK$3,143/mo
Today · 4.125%
HK$105,678
baseline
▲ 0.50% · 4.625%
HK$112,108
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,356/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,628
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,595
−HK$3,010/mo
Today · 4.125%
HK$116,605
baseline
▲ 0.50% · 4.625%
HK$122,752
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,210/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,682 · Scale 2, in force from 26 Feb 2026)