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$55,337
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,058
−HK$1,749/mo
Today · 4.125%
HK$58,807
baseline
▲ 0.50% · 4.625%
HK$62,385
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,614/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,561
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,212
−HK$1,675/mo
Today · 4.125%
HK$64,887
baseline
▲ 0.50% · 4.625%
HK$68,308
+HK$3,421/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,774/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,404
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,469
−HK$2,099/mo
Today · 4.125%
HK$70,568
baseline
▲ 0.50% · 4.625%
HK$74,862
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,136/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,874
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,855
−HK$2,010/mo
Today · 4.125%
HK$77,865
baseline
▲ 0.50% · 4.625%
HK$81,969
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,730/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,471
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,881
−HK$2,448/mo
Today · 4.125%
HK$82,329
baseline
▲ 0.50% · 4.625%
HK$87,339
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,658/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,186
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,497
−HK$2,345/mo
Today · 4.125%
HK$90,842
baseline
▲ 0.50% · 4.625%
HK$95,631
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,684/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,606
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,704
−HK$3,148/mo
Today · 4.125%
HK$105,852
baseline
▲ 0.50% · 4.625%
HK$112,293
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,704/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,810
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,782
−HK$3,015/mo
Today · 4.125%
HK$116,797
baseline
▲ 0.50% · 4.625%
HK$122,954
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,594/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,377 · Scale 2, in force from 26 Feb 2026)