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$55,420
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,144
−HK$1,752/mo
Today · 4.125%
HK$58,896
baseline
▲ 0.50% · 4.625%
HK$62,479
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,792/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,655
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,308
−HK$1,678/mo
Today · 4.125%
HK$64,986
baseline
▲ 0.50% · 4.625%
HK$68,411
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,972/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,505
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,573
−HK$2,102/mo
Today · 4.125%
HK$70,675
baseline
▲ 0.50% · 4.625%
HK$74,975
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,350/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,986
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,970
−HK$2,013/mo
Today · 4.125%
HK$77,983
baseline
▲ 0.50% · 4.625%
HK$82,093
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,966/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,589
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,002
−HK$2,452/mo
Today · 4.125%
HK$82,454
baseline
▲ 0.50% · 4.625%
HK$87,471
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,908/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,317
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,632
−HK$2,348/mo
Today · 4.125%
HK$90,980
baseline
▲ 0.50% · 4.625%
HK$95,776
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,960/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,757
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,860
−HK$3,152/mo
Today · 4.125%
HK$106,012
baseline
▲ 0.50% · 4.625%
HK$112,463
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,024/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,978
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,955
−HK$3,019/mo
Today · 4.125%
HK$116,974
baseline
▲ 0.50% · 4.625%
HK$123,140
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,948/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,941 · Scale 2, in force from 26 Feb 2026)