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$55,455
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,180
−HK$1,753/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,519
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,693
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,348
−HK$1,678/mo
Today · 4.125%
HK$65,026
baseline
▲ 0.50% · 4.625%
HK$68,454
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,052/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,546
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,616
−HK$2,103/mo
Today · 4.125%
HK$70,719
baseline
▲ 0.50% · 4.625%
HK$75,022
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,438/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,032
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,017
−HK$2,015/mo
Today · 4.125%
HK$78,032
baseline
▲ 0.50% · 4.625%
HK$82,145
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,064/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,637
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,052
−HK$2,454/mo
Today · 4.125%
HK$82,506
baseline
▲ 0.50% · 4.625%
HK$87,526
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,012/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,371
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,687
−HK$2,350/mo
Today · 4.125%
HK$91,037
baseline
▲ 0.50% · 4.625%
HK$95,836
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,074/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,819
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,924
−HK$3,155/mo
Today · 4.125%
HK$106,079
baseline
▲ 0.50% · 4.625%
HK$112,533
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,158/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,048
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,026
−HK$3,021/mo
Today · 4.125%
HK$117,047
baseline
▲ 0.50% · 4.625%
HK$123,217
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,094/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,587 · Scale 2, in force from 26 Feb 2026)