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$55,315
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,035
−HK$1,748/mo
Today · 4.125%
HK$58,783
baseline
▲ 0.50% · 4.625%
HK$62,360
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,566/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,537
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,187
−HK$1,675/mo
Today · 4.125%
HK$64,862
baseline
▲ 0.50% · 4.625%
HK$68,280
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,724/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,377
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,442
−HK$2,098/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,832
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,844
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,825
−HK$2,009/mo
Today · 4.125%
HK$77,834
baseline
▲ 0.50% · 4.625%
HK$81,937
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,668/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,440
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,849
−HK$2,448/mo
Today · 4.125%
HK$82,297
baseline
▲ 0.50% · 4.625%
HK$87,304
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,594/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,152
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,462
−HK$2,344/mo
Today · 4.125%
HK$90,806
baseline
▲ 0.50% · 4.625%
HK$95,593
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,612/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,566
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,663
−HK$3,147/mo
Today · 4.125%
HK$105,810
baseline
▲ 0.50% · 4.625%
HK$112,248
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,620/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,766
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,737
−HK$3,014/mo
Today · 4.125%
HK$116,751
baseline
▲ 0.50% · 4.625%
HK$122,905
+HK$6,154/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,502/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,967 · Scale 2, in force from 26 Feb 2026)