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$55,243
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,962
−HK$1,745/mo
Today · 4.125%
HK$58,707
baseline
▲ 0.50% · 4.625%
HK$62,280
+HK$3,573/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,414/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,458
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,106
−HK$1,672/mo
Today · 4.125%
HK$64,778
baseline
▲ 0.50% · 4.625%
HK$68,192
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,556/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,292
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,354
−HK$2,095/mo
Today · 4.125%
HK$70,449
baseline
▲ 0.50% · 4.625%
HK$74,736
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,898/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,749
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,727
−HK$2,007/mo
Today · 4.125%
HK$77,734
baseline
▲ 0.50% · 4.625%
HK$81,831
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,468/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,341
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,746
−HK$2,444/mo
Today · 4.125%
HK$82,190
baseline
▲ 0.50% · 4.625%
HK$87,192
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,380/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,041
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,348
−HK$2,341/mo
Today · 4.125%
HK$90,689
baseline
▲ 0.50% · 4.625%
HK$95,469
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,378/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,438
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,531
−HK$3,142/mo
Today · 4.125%
HK$105,673
baseline
▲ 0.50% · 4.625%
HK$112,103
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,346/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,624
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,590
−HK$3,010/mo
Today · 4.125%
HK$116,600
baseline
▲ 0.50% · 4.625%
HK$122,746
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,200/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,638 · Scale 2, in force from 26 Feb 2026)