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$55,392
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,115
−HK$1,751/mo
Today · 4.125%
HK$58,866
baseline
▲ 0.50% · 4.625%
HK$62,448
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,732/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,276
−HK$1,677/mo
Today · 4.125%
HK$64,953
baseline
▲ 0.50% · 4.625%
HK$68,376
+HK$3,423/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,906/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,471
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,538
−HK$2,101/mo
Today · 4.125%
HK$70,639
baseline
▲ 0.50% · 4.625%
HK$74,937
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,278/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,948
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,931
−HK$2,012/mo
Today · 4.125%
HK$77,943
baseline
▲ 0.50% · 4.625%
HK$82,052
+HK$4,109/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,886/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,549
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,961
−HK$2,451/mo
Today · 4.125%
HK$82,412
baseline
▲ 0.50% · 4.625%
HK$87,427
+HK$5,015/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,824/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,273
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,586
−HK$2,348/mo
Today · 4.125%
HK$90,934
baseline
▲ 0.50% · 4.625%
HK$95,727
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,868/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,706
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,807
−HK$3,151/mo
Today · 4.125%
HK$105,958
baseline
▲ 0.50% · 4.625%
HK$112,406
+HK$6,448/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,916/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,922
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,897
−HK$3,018/mo
Today · 4.125%
HK$116,915
baseline
▲ 0.50% · 4.625%
HK$123,077
+HK$6,162/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,830/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,415 · Scale 2, in force from 26 Feb 2026)