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$55,513
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,755/mo
Today · 4.125%
HK$58,995
baseline
▲ 0.50% · 4.625%
HK$62,584
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,990/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,758
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,680/mo
Today · 4.125%
HK$65,095
baseline
▲ 0.50% · 4.625%
HK$68,526
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,190/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,616
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,688
−HK$2,106/mo
Today · 4.125%
HK$70,794
baseline
▲ 0.50% · 4.625%
HK$75,101
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,588/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,110
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,097
−HK$2,017/mo
Today · 4.125%
HK$78,114
baseline
▲ 0.50% · 4.625%
HK$82,231
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,228/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,719
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,136
−HK$2,457/mo
Today · 4.125%
HK$82,593
baseline
▲ 0.50% · 4.625%
HK$87,618
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,186/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,461
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,780
−HK$2,353/mo
Today · 4.125%
HK$91,133
baseline
▲ 0.50% · 4.625%
HK$95,936
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,266/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,924
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,032
−HK$3,158/mo
Today · 4.125%
HK$106,190
baseline
▲ 0.50% · 4.625%
HK$112,652
+HK$6,462/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,380/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,165
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,146
−HK$3,025/mo
Today · 4.125%
HK$117,171
baseline
▲ 0.50% · 4.625%
HK$123,347
+HK$6,176/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,342/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,675 · Scale 2, in force from 26 Feb 2026)