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$55,493
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,219
−HK$1,753/mo
Today · 4.125%
HK$58,972
baseline
▲ 0.50% · 4.625%
HK$62,561
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,944/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,735
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,391
−HK$1,679/mo
Today · 4.125%
HK$65,070
baseline
▲ 0.50% · 4.625%
HK$68,500
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,140/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,591
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$2,105/mo
Today · 4.125%
HK$70,767
baseline
▲ 0.50% · 4.625%
HK$75,073
+HK$4,306/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,534/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,082
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,069
−HK$2,015/mo
Today · 4.125%
HK$78,084
baseline
▲ 0.50% · 4.625%
HK$82,200
+HK$4,116/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,168/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,690
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,106
−HK$2,455/mo
Today · 4.125%
HK$82,561
baseline
▲ 0.50% · 4.625%
HK$87,585
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,122/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,429
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,747
−HK$2,351/mo
Today · 4.125%
HK$91,098
baseline
▲ 0.50% · 4.625%
HK$95,900
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,196/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,887
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,994
−HK$3,156/mo
Today · 4.125%
HK$106,150
baseline
▲ 0.50% · 4.625%
HK$112,609
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,300/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,123
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,103
−HK$3,023/mo
Today · 4.125%
HK$117,126
baseline
▲ 0.50% · 4.625%
HK$123,300
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,252/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,284 · Scale 2, in force from 26 Feb 2026)