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$55,214
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,932
−HK$1,745/mo
Today · 4.125%
HK$58,677
baseline
▲ 0.50% · 4.625%
HK$62,247
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,354/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,425
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,073
−HK$1,671/mo
Today · 4.125%
HK$64,744
baseline
▲ 0.50% · 4.625%
HK$68,157
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,488/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,257
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,318
−HK$2,094/mo
Today · 4.125%
HK$70,412
baseline
▲ 0.50% · 4.625%
HK$74,696
+HK$4,284/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,824/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,710
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,687
−HK$2,006/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$81,788
+HK$4,095/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,300
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,704
−HK$2,443/mo
Today · 4.125%
HK$82,147
baseline
▲ 0.50% · 4.625%
HK$87,146
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,294/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,995
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,302
−HK$2,339/mo
Today · 4.125%
HK$90,641
baseline
▲ 0.50% · 4.625%
HK$95,419
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,282/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,386
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,477
−HK$3,141/mo
Today · 4.125%
HK$105,618
baseline
▲ 0.50% · 4.625%
HK$112,044
+HK$6,426/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,236/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,565
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,531
−HK$3,008/mo
Today · 4.125%
HK$116,539
baseline
▲ 0.50% · 4.625%
HK$122,682
+HK$6,143/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,078/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,097 · Scale 2, in force from 26 Feb 2026)