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$55,383
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,106
−HK$1,750/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$62,437
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,613
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,266
−HK$1,676/mo
Today · 4.125%
HK$64,942
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,884/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,460
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,527
−HK$2,100/mo
Today · 4.125%
HK$70,627
baseline
▲ 0.50% · 4.625%
HK$74,925
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,254/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,936
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,919
−HK$2,011/mo
Today · 4.125%
HK$77,930
baseline
▲ 0.50% · 4.625%
HK$82,038
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,860/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,536
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,948
−HK$2,451/mo
Today · 4.125%
HK$82,399
baseline
▲ 0.50% · 4.625%
HK$87,412
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,798/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,259
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,572
−HK$2,347/mo
Today · 4.125%
HK$90,919
baseline
▲ 0.50% · 4.625%
HK$95,711
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,838/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,690
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,791
−HK$3,150/mo
Today · 4.125%
HK$105,941
baseline
▲ 0.50% · 4.625%
HK$112,387
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,882/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,904
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,878
−HK$3,018/mo
Today · 4.125%
HK$116,896
baseline
▲ 0.50% · 4.625%
HK$123,057
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,792/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,247 · Scale 2, in force from 26 Feb 2026)