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$55,489
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,215
−HK$1,754/mo
Today · 4.125%
HK$58,969
baseline
▲ 0.50% · 4.625%
HK$62,557
+HK$3,588/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,938/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,731
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,387
−HK$1,679/mo
Today · 4.125%
HK$65,066
baseline
▲ 0.50% · 4.625%
HK$68,496
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,132/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,587
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,658
−HK$2,105/mo
Today · 4.125%
HK$70,763
baseline
▲ 0.50% · 4.625%
HK$75,068
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,526/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,077
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,064
−HK$2,016/mo
Today · 4.125%
HK$78,080
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,160/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,685
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,455/mo
Today · 4.125%
HK$82,556
baseline
▲ 0.50% · 4.625%
HK$87,580
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,112/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,424
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,742
−HK$2,351/mo
Today · 4.125%
HK$91,093
baseline
▲ 0.50% · 4.625%
HK$95,895
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,186/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,881
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,988
−HK$3,156/mo
Today · 4.125%
HK$106,144
baseline
▲ 0.50% · 4.625%
HK$112,603
+HK$6,459/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,288/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,116
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,096
−HK$3,023/mo
Today · 4.125%
HK$117,119
baseline
▲ 0.50% · 4.625%
HK$123,293
+HK$6,174/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,238/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,223 · Scale 2, in force from 26 Feb 2026)