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$55,244
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,963
−HK$1,746/mo
Today · 4.125%
HK$58,709
baseline
▲ 0.50% · 4.625%
HK$62,281
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,418/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,459
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,107
−HK$1,672/mo
Today · 4.125%
HK$64,779
baseline
▲ 0.50% · 4.625%
HK$68,194
+HK$3,415/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,558/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,293
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,355
−HK$2,095/mo
Today · 4.125%
HK$70,450
baseline
▲ 0.50% · 4.625%
HK$74,737
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,900/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,751
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,728
−HK$2,007/mo
Today · 4.125%
HK$77,735
baseline
▲ 0.50% · 4.625%
HK$81,833
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,470/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,342
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,748
−HK$2,444/mo
Today · 4.125%
HK$82,192
baseline
▲ 0.50% · 4.625%
HK$87,193
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,384/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,042
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,350
−HK$2,341/mo
Today · 4.125%
HK$90,691
baseline
▲ 0.50% · 4.625%
HK$95,471
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,382/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,440
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,533
−HK$3,143/mo
Today · 4.125%
HK$105,676
baseline
▲ 0.50% · 4.625%
HK$112,106
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,352/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,626
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,593
−HK$3,010/mo
Today · 4.125%
HK$116,603
baseline
▲ 0.50% · 4.625%
HK$122,749
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,206/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,659 · Scale 2, in force from 26 Feb 2026)