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$55,499
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,226
−HK$1,754/mo
Today · 4.125%
HK$58,980
baseline
▲ 0.50% · 4.625%
HK$62,568
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,960/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,742
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,398
−HK$1,680/mo
Today · 4.125%
HK$65,078
baseline
▲ 0.50% · 4.625%
HK$68,509
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,156/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,599
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,671
−HK$2,105/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$75,082
+HK$4,306/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,091
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,078
−HK$2,016/mo
Today · 4.125%
HK$78,094
baseline
▲ 0.50% · 4.625%
HK$82,210
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,188/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,699
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,116
−HK$2,456/mo
Today · 4.125%
HK$82,572
baseline
▲ 0.50% · 4.625%
HK$87,596
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,144/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,439
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,758
−HK$2,352/mo
Today · 4.125%
HK$91,110
baseline
▲ 0.50% · 4.625%
HK$95,912
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,220/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,899
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$103,006
−HK$3,157/mo
Today · 4.125%
HK$106,163
baseline
▲ 0.50% · 4.625%
HK$112,623
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,326/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,136
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,117
−HK$3,024/mo
Today · 4.125%
HK$117,141
baseline
▲ 0.50% · 4.625%
HK$123,316
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,282/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,412 · Scale 2, in force from 26 Feb 2026)