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$55,372
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,095
−HK$1,750/mo
Today · 4.125%
HK$58,845
baseline
▲ 0.50% · 4.625%
HK$62,425
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,690/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,601
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,253
−HK$1,676/mo
Today · 4.125%
HK$64,929
baseline
▲ 0.50% · 4.625%
HK$68,352
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,858/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,447
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$2,100/mo
Today · 4.125%
HK$70,613
baseline
▲ 0.50% · 4.625%
HK$74,910
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,226/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,921
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,904
−HK$2,011/mo
Today · 4.125%
HK$77,915
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,830/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,521
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,932
−HK$2,450/mo
Today · 4.125%
HK$82,382
baseline
▲ 0.50% · 4.625%
HK$87,395
+HK$5,013/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$164,764/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,241
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,554
−HK$2,347/mo
Today · 4.125%
HK$90,901
baseline
▲ 0.50% · 4.625%
HK$95,692
+HK$4,791/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$181,802/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,670
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,770
−HK$3,150/mo
Today · 4.125%
HK$105,920
baseline
▲ 0.50% · 4.625%
HK$112,365
+HK$6,445/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,840/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,882
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,856
−HK$3,016/mo
Today · 4.125%
HK$116,872
baseline
▲ 0.50% · 4.625%
HK$123,033
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,744/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,041 · Scale 2, in force from 26 Feb 2026)