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$55,239
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,958
−HK$1,745/mo
Today · 4.125%
HK$58,703
baseline
▲ 0.50% · 4.625%
HK$62,275
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,406/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,453
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,102
−HK$1,672/mo
Today · 4.125%
HK$64,774
baseline
▲ 0.50% · 4.625%
HK$68,188
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,548/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,287
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,349
−HK$2,095/mo
Today · 4.125%
HK$70,444
baseline
▲ 0.50% · 4.625%
HK$74,731
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,888/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,744
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,722
−HK$2,006/mo
Today · 4.125%
HK$77,728
baseline
▲ 0.50% · 4.625%
HK$81,825
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,456/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,335
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,741
−HK$2,444/mo
Today · 4.125%
HK$82,185
baseline
▲ 0.50% · 4.625%
HK$87,186
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,370/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,035
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,342
−HK$2,341/mo
Today · 4.125%
HK$90,683
baseline
▲ 0.50% · 4.625%
HK$95,463
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,366/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,431
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,524
−HK$3,142/mo
Today · 4.125%
HK$105,666
baseline
▲ 0.50% · 4.625%
HK$112,096
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,332/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,616
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,583
−HK$3,009/mo
Today · 4.125%
HK$116,592
baseline
▲ 0.50% · 4.625%
HK$122,738
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,184/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,568 · Scale 2, in force from 26 Feb 2026)