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$55,437
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,162
−HK$1,752/mo
Today · 4.125%
HK$58,914
baseline
▲ 0.50% · 4.625%
HK$62,499
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,828/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,674
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,678/mo
Today · 4.125%
HK$65,006
baseline
▲ 0.50% · 4.625%
HK$68,432
+HK$3,426/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,012/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,525
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,594
−HK$2,103/mo
Today · 4.125%
HK$70,697
baseline
▲ 0.50% · 4.625%
HK$74,998
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,394/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,008
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,993
−HK$2,014/mo
Today · 4.125%
HK$78,007
baseline
▲ 0.50% · 4.625%
HK$82,118
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$156,014/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,612
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,026
−HK$2,453/mo
Today · 4.125%
HK$82,479
baseline
▲ 0.50% · 4.625%
HK$87,498
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,958/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,343
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,659
−HK$2,349/mo
Today · 4.125%
HK$91,008
baseline
▲ 0.50% · 4.625%
HK$95,805
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,016/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,787
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,891
−HK$3,154/mo
Today · 4.125%
HK$106,045
baseline
▲ 0.50% · 4.625%
HK$112,497
+HK$6,452/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,090/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,012
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,990
−HK$3,020/mo
Today · 4.125%
HK$117,010
baseline
▲ 0.50% · 4.625%
HK$123,178
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,020/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,256 · Scale 2, in force from 26 Feb 2026)