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$55,412
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,136
−HK$1,751/mo
Today · 4.125%
HK$58,887
baseline
▲ 0.50% · 4.625%
HK$62,470
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,774/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,645
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,298
−HK$1,678/mo
Today · 4.125%
HK$64,976
baseline
▲ 0.50% · 4.625%
HK$68,401
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,952/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,494
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,563
−HK$2,101/mo
Today · 4.125%
HK$70,664
baseline
▲ 0.50% · 4.625%
HK$74,964
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,328/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,974
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,958
−HK$2,013/mo
Today · 4.125%
HK$77,971
baseline
▲ 0.50% · 4.625%
HK$82,081
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,942/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,577
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,990
−HK$2,451/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$87,458
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,303
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,618
−HK$2,348/mo
Today · 4.125%
HK$90,966
baseline
▲ 0.50% · 4.625%
HK$95,761
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,932/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,741
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,844
−HK$3,152/mo
Today · 4.125%
HK$105,996
baseline
▲ 0.50% · 4.625%
HK$112,446
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,992/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,961
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,937
−HK$3,019/mo
Today · 4.125%
HK$116,956
baseline
▲ 0.50% · 4.625%
HK$123,121
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,912/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,781 · Scale 2, in force from 26 Feb 2026)