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$55,459
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,184
−HK$1,753/mo
Today · 4.125%
HK$58,937
baseline
▲ 0.50% · 4.625%
HK$62,523
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,874/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,698
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,353
−HK$1,678/mo
Today · 4.125%
HK$65,031
baseline
▲ 0.50% · 4.625%
HK$68,459
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,062/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,551
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$2,104/mo
Today · 4.125%
HK$70,725
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,450/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,038
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,023
−HK$2,015/mo
Today · 4.125%
HK$78,038
baseline
▲ 0.50% · 4.625%
HK$82,151
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,076/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,643
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,058
−HK$2,454/mo
Today · 4.125%
HK$82,512
baseline
▲ 0.50% · 4.625%
HK$87,533
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,024/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,377
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,694
−HK$2,350/mo
Today · 4.125%
HK$91,044
baseline
▲ 0.50% · 4.625%
HK$95,843
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,088/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,827
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,932
−HK$3,155/mo
Today · 4.125%
HK$106,087
baseline
▲ 0.50% · 4.625%
HK$112,542
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,174/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,056
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,035
−HK$3,021/mo
Today · 4.125%
HK$117,056
baseline
▲ 0.50% · 4.625%
HK$123,227
+HK$6,171/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,112/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,667 · Scale 2, in force from 26 Feb 2026)