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$55,537
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,264
−HK$1,755/mo
Today · 4.125%
HK$59,019
baseline
▲ 0.50% · 4.625%
HK$62,611
+HK$3,592/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$118,038/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,784
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,441
−HK$1,681/mo
Today · 4.125%
HK$65,122
baseline
▲ 0.50% · 4.625%
HK$68,555
+HK$3,433/mo
Deposit HK$12.18M · loan HK$12.18M · min. income ≈ HK$130,244/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,717
−HK$2,106/mo
Today · 4.125%
HK$70,823
baseline
▲ 0.50% · 4.625%
HK$75,133
+HK$4,310/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$141,646/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,141
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,129
−HK$2,018/mo
Today · 4.125%
HK$78,147
baseline
▲ 0.50% · 4.625%
HK$82,266
+HK$4,119/mo
Deposit HK$9.74M · loan HK$14.61M · min. income ≈ HK$156,294/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,752
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,170
−HK$2,457/mo
Today · 4.125%
HK$82,627
baseline
▲ 0.50% · 4.625%
HK$87,655
+HK$5,028/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$165,254/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,498
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,818
−HK$2,353/mo
Today · 4.125%
HK$91,171
baseline
▲ 0.50% · 4.625%
HK$95,977
+HK$4,806/mo
Deposit HK$7.31M · loan HK$17.05M · min. income ≈ HK$182,342/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,966
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,076
−HK$3,159/mo
Today · 4.125%
HK$106,235
baseline
▲ 0.50% · 4.625%
HK$112,699
+HK$6,464/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$212,470/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,212
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,194
−HK$3,026/mo
Today · 4.125%
HK$117,220
baseline
▲ 0.50% · 4.625%
HK$123,399
+HK$6,179/mo
Deposit HK$2.44M · loan HK$21.92M · min. income ≈ HK$234,440/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,035,110 · Scale 2, in force from 26 Feb 2026)