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$55,338
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,060
−HK$1,748/mo
Today · 4.125%
HK$58,808
baseline
▲ 0.50% · 4.625%
HK$62,387
+HK$3,579/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,616/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,563
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,214
−HK$1,675/mo
Today · 4.125%
HK$64,889
baseline
▲ 0.50% · 4.625%
HK$68,310
+HK$3,421/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,778/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,406
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,471
−HK$2,099/mo
Today · 4.125%
HK$70,570
baseline
▲ 0.50% · 4.625%
HK$74,864
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,140/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,876
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,857
−HK$2,010/mo
Today · 4.125%
HK$77,867
baseline
▲ 0.50% · 4.625%
HK$81,972
+HK$4,105/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,734/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,473
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,883
−HK$2,449/mo
Today · 4.125%
HK$82,332
baseline
▲ 0.50% · 4.625%
HK$87,341
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,664/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,188
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,500
−HK$2,345/mo
Today · 4.125%
HK$90,845
baseline
▲ 0.50% · 4.625%
HK$95,634
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,690/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,609
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,707
−HK$3,148/mo
Today · 4.125%
HK$105,855
baseline
▲ 0.50% · 4.625%
HK$112,296
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,710/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,814
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,786
−HK$3,015/mo
Today · 4.125%
HK$116,801
baseline
▲ 0.50% · 4.625%
HK$122,957
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,602/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,408 · Scale 2, in force from 26 Feb 2026)