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$55,218
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,935
−HK$1,745/mo
Today · 4.125%
HK$58,680
baseline
▲ 0.50% · 4.625%
HK$62,251
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,360/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,076
−HK$1,672/mo
Today · 4.125%
HK$64,748
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,496/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,261
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,322
−HK$2,094/mo
Today · 4.125%
HK$70,416
baseline
▲ 0.50% · 4.625%
HK$74,701
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,832/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,715
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,692
−HK$2,005/mo
Today · 4.125%
HK$77,697
baseline
▲ 0.50% · 4.625%
HK$81,793
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,394/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,305
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,709
−HK$2,443/mo
Today · 4.125%
HK$82,152
baseline
▲ 0.50% · 4.625%
HK$87,151
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,304/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,001
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,307
−HK$2,340/mo
Today · 4.125%
HK$90,647
baseline
▲ 0.50% · 4.625%
HK$95,425
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,294/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,392
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,483
−HK$3,141/mo
Today · 4.125%
HK$105,624
baseline
▲ 0.50% · 4.625%
HK$112,051
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,248/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,572
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,538
−HK$3,008/mo
Today · 4.125%
HK$116,546
baseline
▲ 0.50% · 4.625%
HK$122,689
+HK$6,143/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,092/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,159 · Scale 2, in force from 26 Feb 2026)