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$55,410
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,134
−HK$1,751/mo
Today · 4.125%
HK$58,885
baseline
▲ 0.50% · 4.625%
HK$62,468
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,770/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,643
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,296
−HK$1,677/mo
Today · 4.125%
HK$64,973
baseline
▲ 0.50% · 4.625%
HK$68,398
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,946/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,492
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,560
−HK$2,102/mo
Today · 4.125%
HK$70,662
baseline
▲ 0.50% · 4.625%
HK$74,961
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,324/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,972
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,956
−HK$2,012/mo
Today · 4.125%
HK$77,968
baseline
▲ 0.50% · 4.625%
HK$82,078
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,936/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,574
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,987
−HK$2,452/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$87,455
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,300
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,615
−HK$2,348/mo
Today · 4.125%
HK$90,963
baseline
▲ 0.50% · 4.625%
HK$95,758
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,926/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,738
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,840
−HK$3,152/mo
Today · 4.125%
HK$105,992
baseline
▲ 0.50% · 4.625%
HK$112,442
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,984/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,958
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,933
−HK$3,019/mo
Today · 4.125%
HK$116,952
baseline
▲ 0.50% · 4.625%
HK$123,117
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,904/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,746 · Scale 2, in force from 26 Feb 2026)