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$55,435
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,159
−HK$1,752/mo
Today · 4.125%
HK$58,911
baseline
▲ 0.50% · 4.625%
HK$62,496
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,822/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,671
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,325
−HK$1,678/mo
Today · 4.125%
HK$65,003
baseline
▲ 0.50% · 4.625%
HK$68,429
+HK$3,426/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,006/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,522
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,591
−HK$2,103/mo
Today · 4.125%
HK$70,694
baseline
▲ 0.50% · 4.625%
HK$74,995
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,388/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,005
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,990
−HK$2,013/mo
Today · 4.125%
HK$78,003
baseline
▲ 0.50% · 4.625%
HK$82,115
+HK$4,112/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$156,006/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,609
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,023
−HK$2,453/mo
Today · 4.125%
HK$82,476
baseline
▲ 0.50% · 4.625%
HK$87,494
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,952/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,339
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,655
−HK$2,349/mo
Today · 4.125%
HK$91,004
baseline
▲ 0.50% · 4.625%
HK$95,801
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,008/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,783
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,887
−HK$3,153/mo
Today · 4.125%
HK$106,040
baseline
▲ 0.50% · 4.625%
HK$112,493
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,080/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,008
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,985
−HK$3,020/mo
Today · 4.125%
HK$117,005
baseline
▲ 0.50% · 4.625%
HK$123,173
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,010/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,213 · Scale 2, in force from 26 Feb 2026)