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$55,374
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,750/mo
Today · 4.125%
HK$58,846
baseline
▲ 0.50% · 4.625%
HK$62,427
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,692/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,603
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,255
−HK$1,676/mo
Today · 4.125%
HK$64,931
baseline
▲ 0.50% · 4.625%
HK$68,354
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,862/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,449
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,515
−HK$2,100/mo
Today · 4.125%
HK$70,615
baseline
▲ 0.50% · 4.625%
HK$74,912
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,230/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,923
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,906
−HK$2,011/mo
Today · 4.125%
HK$77,917
baseline
▲ 0.50% · 4.625%
HK$82,024
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,834/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,523
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,935
−HK$2,450/mo
Today · 4.125%
HK$82,385
baseline
▲ 0.50% · 4.625%
HK$87,398
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,770/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,244
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,557
−HK$2,346/mo
Today · 4.125%
HK$90,903
baseline
▲ 0.50% · 4.625%
HK$95,695
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,806/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,673
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,773
−HK$3,150/mo
Today · 4.125%
HK$105,923
baseline
▲ 0.50% · 4.625%
HK$112,368
+HK$6,445/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,846/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,885
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,859
−HK$3,017/mo
Today · 4.125%
HK$116,876
baseline
▲ 0.50% · 4.625%
HK$123,036
+HK$6,160/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,752/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,071 · Scale 2, in force from 26 Feb 2026)