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$55,210
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,745/mo
Today · 4.125%
HK$58,672
baseline
▲ 0.50% · 4.625%
HK$62,242
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,344/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,420
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,068
−HK$1,671/mo
Today · 4.125%
HK$64,739
baseline
▲ 0.50% · 4.625%
HK$68,151
+HK$3,412/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,478/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,252
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,313
−HK$2,093/mo
Today · 4.125%
HK$70,406
baseline
▲ 0.50% · 4.625%
HK$74,690
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,812/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,704
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,681
−HK$2,005/mo
Today · 4.125%
HK$77,686
baseline
▲ 0.50% · 4.625%
HK$81,781
+HK$4,095/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,372/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,294
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,698
−HK$2,443/mo
Today · 4.125%
HK$82,141
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,998/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,282/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,988
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,295
−HK$2,339/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$95,412
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,378
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,469
−HK$3,140/mo
Today · 4.125%
HK$105,609
baseline
▲ 0.50% · 4.625%
HK$112,036
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,218/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,557
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,522
−HK$3,008/mo
Today · 4.125%
HK$116,530
baseline
▲ 0.50% · 4.625%
HK$122,672
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,060/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,014 · Scale 2, in force from 26 Feb 2026)