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$55,307
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,027
−HK$1,748/mo
Today · 4.125%
HK$58,775
baseline
▲ 0.50% · 4.625%
HK$62,351
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,550/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,528
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,179
−HK$1,674/mo
Today · 4.125%
HK$64,853
baseline
▲ 0.50% · 4.625%
HK$68,271
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,706/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,368
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,433
−HK$2,097/mo
Today · 4.125%
HK$70,530
baseline
▲ 0.50% · 4.625%
HK$74,822
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,060/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,834
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,009/mo
Today · 4.125%
HK$77,823
baseline
▲ 0.50% · 4.625%
HK$81,925
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,646/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,430
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,838
−HK$2,447/mo
Today · 4.125%
HK$82,285
baseline
▲ 0.50% · 4.625%
HK$87,292
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,570/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,140
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,450
−HK$2,344/mo
Today · 4.125%
HK$90,794
baseline
▲ 0.50% · 4.625%
HK$95,579
+HK$4,785/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,588/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,552
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,649
−HK$3,146/mo
Today · 4.125%
HK$105,795
baseline
▲ 0.50% · 4.625%
HK$112,233
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,590/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,751
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,721
−HK$3,014/mo
Today · 4.125%
HK$116,735
baseline
▲ 0.50% · 4.625%
HK$122,888
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,470/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,825 · Scale 2, in force from 26 Feb 2026)