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$55,488
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,214
−HK$1,754/mo
Today · 4.125%
HK$58,968
baseline
▲ 0.50% · 4.625%
HK$62,556
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,936/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,730
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,386
−HK$1,679/mo
Today · 4.125%
HK$65,065
baseline
▲ 0.50% · 4.625%
HK$68,495
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,130/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,586
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,657
−HK$2,105/mo
Today · 4.125%
HK$70,762
baseline
▲ 0.50% · 4.625%
HK$75,067
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,524/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,076
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,063
−HK$2,015/mo
Today · 4.125%
HK$78,078
baseline
▲ 0.50% · 4.625%
HK$82,194
+HK$4,116/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,156/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,684
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,100
−HK$2,455/mo
Today · 4.125%
HK$82,555
baseline
▲ 0.50% · 4.625%
HK$87,578
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,110/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,422
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,740
−HK$2,352/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$95,893
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,879
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,986
−HK$3,156/mo
Today · 4.125%
HK$106,142
baseline
▲ 0.50% · 4.625%
HK$112,601
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,284/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,114
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,095
−HK$3,023/mo
Today · 4.125%
HK$117,118
baseline
▲ 0.50% · 4.625%
HK$123,291
+HK$6,173/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,236/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,207 · Scale 2, in force from 26 Feb 2026)