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$55,327
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,048
−HK$1,748/mo
Today · 4.125%
HK$58,796
baseline
▲ 0.50% · 4.625%
HK$62,374
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,592/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,550
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,201
−HK$1,675/mo
Today · 4.125%
HK$64,876
baseline
▲ 0.50% · 4.625%
HK$68,295
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,752/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,392
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,457
−HK$2,098/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,848
+HK$4,293/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,860
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,841
−HK$2,010/mo
Today · 4.125%
HK$77,851
baseline
▲ 0.50% · 4.625%
HK$81,954
+HK$4,103/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,702/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,867
−HK$2,447/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$87,323
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,481
−HK$2,345/mo
Today · 4.125%
HK$90,826
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,652/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,588
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,686
−HK$3,147/mo
Today · 4.125%
HK$105,833
baseline
▲ 0.50% · 4.625%
HK$112,273
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,666/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,791
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,762
−HK$3,014/mo
Today · 4.125%
HK$116,776
baseline
▲ 0.50% · 4.625%
HK$122,932
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,552/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,192 · Scale 2, in force from 26 Feb 2026)