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$55,330
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,051
−HK$1,748/mo
Today · 4.125%
HK$58,799
baseline
▲ 0.50% · 4.625%
HK$62,377
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,598/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,554
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,205
−HK$1,674/mo
Today · 4.125%
HK$64,879
baseline
▲ 0.50% · 4.625%
HK$68,299
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,758/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,396
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,461
−HK$2,098/mo
Today · 4.125%
HK$70,559
baseline
▲ 0.50% · 4.625%
HK$74,853
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,118/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,864
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,845
−HK$2,010/mo
Today · 4.125%
HK$77,855
baseline
▲ 0.50% · 4.625%
HK$81,959
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,710/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,462
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,871
−HK$2,448/mo
Today · 4.125%
HK$82,319
baseline
▲ 0.50% · 4.625%
HK$87,328
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,638/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,175
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,486
−HK$2,345/mo
Today · 4.125%
HK$90,831
baseline
▲ 0.50% · 4.625%
HK$95,619
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,662/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,593
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,691
−HK$3,148/mo
Today · 4.125%
HK$105,839
baseline
▲ 0.50% · 4.625%
HK$112,279
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,678/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,797
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,768
−HK$3,015/mo
Today · 4.125%
HK$116,783
baseline
▲ 0.50% · 4.625%
HK$122,938
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,566/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,249 · Scale 2, in force from 26 Feb 2026)