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$55,209
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,744/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$62,242
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,420
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,067
−HK$1,671/mo
Today · 4.125%
HK$64,738
baseline
▲ 0.50% · 4.625%
HK$68,151
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,476/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,251
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,312
−HK$2,094/mo
Today · 4.125%
HK$70,406
baseline
▲ 0.50% · 4.625%
HK$74,690
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,812/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,704
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,681
−HK$2,005/mo
Today · 4.125%
HK$77,686
baseline
▲ 0.50% · 4.625%
HK$81,781
+HK$4,095/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,372/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,293
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,697
−HK$2,443/mo
Today · 4.125%
HK$82,140
baseline
▲ 0.50% · 4.625%
HK$87,138
+HK$4,998/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,280/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,988
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,294
−HK$2,339/mo
Today · 4.125%
HK$90,633
baseline
▲ 0.50% · 4.625%
HK$95,411
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,266/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,377
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,468
−HK$3,141/mo
Today · 4.125%
HK$105,609
baseline
▲ 0.50% · 4.625%
HK$112,035
+HK$6,426/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,218/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,556
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,521
−HK$3,008/mo
Today · 4.125%
HK$116,529
baseline
▲ 0.50% · 4.625%
HK$122,671
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,058/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,007 · Scale 2, in force from 26 Feb 2026)