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$55,429
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,154
−HK$1,751/mo
Today · 4.125%
HK$58,905
baseline
▲ 0.50% · 4.625%
HK$62,490
+HK$3,585/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,810/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,665
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,318
−HK$1,678/mo
Today · 4.125%
HK$64,996
baseline
▲ 0.50% · 4.625%
HK$68,422
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,992/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,515
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,584
−HK$2,102/mo
Today · 4.125%
HK$70,686
baseline
▲ 0.50% · 4.625%
HK$74,987
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,372/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,998
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,982
−HK$2,013/mo
Today · 4.125%
HK$77,995
baseline
▲ 0.50% · 4.625%
HK$82,107
+HK$4,112/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$155,990/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,015
−HK$2,452/mo
Today · 4.125%
HK$82,467
baseline
▲ 0.50% · 4.625%
HK$87,485
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,934/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,330
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,646
−HK$2,349/mo
Today · 4.125%
HK$90,995
baseline
▲ 0.50% · 4.625%
HK$95,791
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$181,990/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,773
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,876
−HK$3,154/mo
Today · 4.125%
HK$106,030
baseline
▲ 0.50% · 4.625%
HK$112,481
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,060/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,996
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,973
−HK$3,020/mo
Today · 4.125%
HK$116,993
baseline
▲ 0.50% · 4.625%
HK$123,160
+HK$6,167/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,986/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,107 · Scale 2, in force from 26 Feb 2026)