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$55,414
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,137
−HK$1,752/mo
Today · 4.125%
HK$58,889
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,778/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,647
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,300
−HK$1,678/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,496
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,565
−HK$2,101/mo
Today · 4.125%
HK$70,666
baseline
▲ 0.50% · 4.625%
HK$74,966
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,332/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,977
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,961
−HK$2,012/mo
Today · 4.125%
HK$77,973
baseline
▲ 0.50% · 4.625%
HK$82,083
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,946/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,579
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,992
−HK$2,452/mo
Today · 4.125%
HK$82,444
baseline
▲ 0.50% · 4.625%
HK$87,461
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,888/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,306
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,621
−HK$2,348/mo
Today · 4.125%
HK$90,969
baseline
▲ 0.50% · 4.625%
HK$95,764
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,938/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,745
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,847
−HK$3,152/mo
Today · 4.125%
HK$105,999
baseline
▲ 0.50% · 4.625%
HK$112,449
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,998/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,965
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,941
−HK$3,019/mo
Today · 4.125%
HK$116,960
baseline
▲ 0.50% · 4.625%
HK$123,125
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,920/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,814 · Scale 2, in force from 26 Feb 2026)