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$55,478
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,204
−HK$1,753/mo
Today · 4.125%
HK$58,957
baseline
▲ 0.50% · 4.625%
HK$62,544
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,914/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,719
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,374
−HK$1,679/mo
Today · 4.125%
HK$65,053
baseline
▲ 0.50% · 4.625%
HK$68,482
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,106/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,574
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,645
−HK$2,103/mo
Today · 4.125%
HK$70,748
baseline
▲ 0.50% · 4.625%
HK$75,053
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,496/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,063
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,049
−HK$2,015/mo
Today · 4.125%
HK$78,064
baseline
▲ 0.50% · 4.625%
HK$82,179
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,128/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,669
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,455/mo
Today · 4.125%
HK$82,540
baseline
▲ 0.50% · 4.625%
HK$87,562
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,080/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,406
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,724
−HK$2,351/mo
Today · 4.125%
HK$91,075
baseline
▲ 0.50% · 4.625%
HK$95,875
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,150/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,861
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,967
−HK$3,156/mo
Today · 4.125%
HK$106,123
baseline
▲ 0.50% · 4.625%
HK$112,580
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,246/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,094
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,073
−HK$3,023/mo
Today · 4.125%
HK$117,096
baseline
▲ 0.50% · 4.625%
HK$123,268
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,192/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,016 · Scale 2, in force from 26 Feb 2026)