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$55,359
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,081
−HK$1,749/mo
Today · 4.125%
HK$58,830
baseline
▲ 0.50% · 4.625%
HK$62,410
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,660/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,586
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,238
−HK$1,675/mo
Today · 4.125%
HK$64,913
baseline
▲ 0.50% · 4.625%
HK$68,335
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,826/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,430
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,497
−HK$2,099/mo
Today · 4.125%
HK$70,596
baseline
▲ 0.50% · 4.625%
HK$74,892
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,192/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,903
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,885
−HK$2,011/mo
Today · 4.125%
HK$77,896
baseline
▲ 0.50% · 4.625%
HK$82,002
+HK$4,106/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,792/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,502
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,913
−HK$2,449/mo
Today · 4.125%
HK$82,362
baseline
▲ 0.50% · 4.625%
HK$87,374
+HK$5,012/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,724/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,220
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,533
−HK$2,345/mo
Today · 4.125%
HK$90,878
baseline
▲ 0.50% · 4.625%
HK$95,669
+HK$4,791/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,756/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,645
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,745
−HK$3,149/mo
Today · 4.125%
HK$105,894
baseline
▲ 0.50% · 4.625%
HK$112,337
+HK$6,443/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,788/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,854
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,828
−HK$3,016/mo
Today · 4.125%
HK$116,844
baseline
▲ 0.50% · 4.625%
HK$123,003
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,688/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,787 · Scale 2, in force from 26 Feb 2026)