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$55,363
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,085
−HK$1,750/mo
Today · 4.125%
HK$58,835
baseline
▲ 0.50% · 4.625%
HK$62,415
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,670/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,591
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,243
−HK$1,676/mo
Today · 4.125%
HK$64,919
baseline
▲ 0.50% · 4.625%
HK$68,341
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,838/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,436
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,502
−HK$2,100/mo
Today · 4.125%
HK$70,602
baseline
▲ 0.50% · 4.625%
HK$74,898
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,204/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,909
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,892
−HK$2,010/mo
Today · 4.125%
HK$77,902
baseline
▲ 0.50% · 4.625%
HK$82,009
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,804/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,509
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,920
−HK$2,449/mo
Today · 4.125%
HK$82,369
baseline
▲ 0.50% · 4.625%
HK$87,381
+HK$5,012/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$164,738/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,228
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,540
−HK$2,346/mo
Today · 4.125%
HK$90,886
baseline
▲ 0.50% · 4.625%
HK$95,677
+HK$4,791/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$181,772/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,654
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,754
−HK$3,149/mo
Today · 4.125%
HK$105,903
baseline
▲ 0.50% · 4.625%
HK$112,347
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,806/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,864
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,837
−HK$3,017/mo
Today · 4.125%
HK$116,854
baseline
▲ 0.50% · 4.625%
HK$123,013
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,708/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,875 · Scale 2, in force from 26 Feb 2026)