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$55,319
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,040
−HK$1,748/mo
Today · 4.125%
HK$58,788
baseline
▲ 0.50% · 4.625%
HK$62,365
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,576/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,542
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,193
−HK$1,674/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,286
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,383
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,448
−HK$2,098/mo
Today · 4.125%
HK$70,546
baseline
▲ 0.50% · 4.625%
HK$74,838
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$141,092/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,850
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,831
−HK$2,009/mo
Today · 4.125%
HK$77,840
baseline
▲ 0.50% · 4.625%
HK$81,943
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.56M · min. income ≈ HK$155,680/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,447
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,856
−HK$2,447/mo
Today · 4.125%
HK$82,303
baseline
▲ 0.50% · 4.625%
HK$87,311
+HK$5,008/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,606/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,159
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,470
−HK$2,344/mo
Today · 4.125%
HK$90,814
baseline
▲ 0.50% · 4.625%
HK$95,601
+HK$4,787/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,628/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,574
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,672
−HK$3,147/mo
Today · 4.125%
HK$105,819
baseline
▲ 0.50% · 4.625%
HK$112,257
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,638/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,776
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,747
−HK$3,013/mo
Today · 4.125%
HK$116,760
baseline
▲ 0.50% · 4.625%
HK$122,915
+HK$6,155/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,520/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,053 · Scale 2, in force from 26 Feb 2026)