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$55,379
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,101
−HK$1,750/mo
Today · 4.125%
HK$58,851
baseline
▲ 0.50% · 4.625%
HK$62,432
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,702/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,608
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,261
−HK$1,676/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,360
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,874/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,454
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$2,100/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$4,297/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,930
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,011/mo
Today · 4.125%
HK$77,924
baseline
▲ 0.50% · 4.625%
HK$82,032
+HK$4,108/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,848/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,530
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,942
−HK$2,450/mo
Today · 4.125%
HK$82,392
baseline
▲ 0.50% · 4.625%
HK$87,405
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,784/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,252
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,565
−HK$2,347/mo
Today · 4.125%
HK$90,912
baseline
▲ 0.50% · 4.625%
HK$95,704
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,824/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,682
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,782
−HK$3,151/mo
Today · 4.125%
HK$105,933
baseline
▲ 0.50% · 4.625%
HK$112,378
+HK$6,445/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,866/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,895
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,869
−HK$3,017/mo
Today · 4.125%
HK$116,886
baseline
▲ 0.50% · 4.625%
HK$123,047
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,772/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,164 · Scale 2, in force from 26 Feb 2026)