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$55,456
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,181
−HK$1,752/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,519
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,694
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,349
−HK$1,678/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,455
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,547
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$2,103/mo
Today · 4.125%
HK$70,720
baseline
▲ 0.50% · 4.625%
HK$75,023
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,440/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,033
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,018
−HK$2,015/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,146
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,638
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,053
−HK$2,454/mo
Today · 4.125%
HK$82,507
baseline
▲ 0.50% · 4.625%
HK$87,527
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,014/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,372
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,688
−HK$2,350/mo
Today · 4.125%
HK$91,038
baseline
▲ 0.50% · 4.625%
HK$95,837
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,076/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,820
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,925
−HK$3,155/mo
Today · 4.125%
HK$106,080
baseline
▲ 0.50% · 4.625%
HK$112,535
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,160/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,049
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,027
−HK$3,022/mo
Today · 4.125%
HK$117,049
baseline
▲ 0.50% · 4.625%
HK$123,219
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,098/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,599 · Scale 2, in force from 26 Feb 2026)