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$55,486
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,212
−HK$1,753/mo
Today · 4.125%
HK$58,965
baseline
▲ 0.50% · 4.625%
HK$62,553
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,930/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,728
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,383
−HK$1,679/mo
Today · 4.125%
HK$65,062
baseline
▲ 0.50% · 4.625%
HK$68,492
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,124/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,583
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,654
−HK$2,104/mo
Today · 4.125%
HK$70,758
baseline
▲ 0.50% · 4.625%
HK$75,064
+HK$4,306/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,516/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,073
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,060
−HK$2,015/mo
Today · 4.125%
HK$78,075
baseline
▲ 0.50% · 4.625%
HK$82,190
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,150/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,680
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,097
−HK$2,455/mo
Today · 4.125%
HK$82,552
baseline
▲ 0.50% · 4.625%
HK$87,575
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,104/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,419
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,736
−HK$2,351/mo
Today · 4.125%
HK$91,087
baseline
▲ 0.50% · 4.625%
HK$95,889
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,174/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,875
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,981
−HK$3,157/mo
Today · 4.125%
HK$106,138
baseline
▲ 0.50% · 4.625%
HK$112,596
+HK$6,458/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,276/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,110
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,089
−HK$3,023/mo
Today · 4.125%
HK$117,112
baseline
▲ 0.50% · 4.625%
HK$123,286
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,224/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,161 · Scale 2, in force from 26 Feb 2026)