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$55,360
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,082
−HK$1,750/mo
Today · 4.125%
HK$58,832
baseline
▲ 0.50% · 4.625%
HK$62,411
+HK$3,579/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,664/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,588
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,239
−HK$1,676/mo
Today · 4.125%
HK$64,915
baseline
▲ 0.50% · 4.625%
HK$68,337
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,830/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,432
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,499
−HK$2,099/mo
Today · 4.125%
HK$70,598
baseline
▲ 0.50% · 4.625%
HK$74,894
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,196/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,905
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,887
−HK$2,011/mo
Today · 4.125%
HK$77,898
baseline
▲ 0.50% · 4.625%
HK$82,004
+HK$4,106/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,796/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,504
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,915
−HK$2,449/mo
Today · 4.125%
HK$82,364
baseline
▲ 0.50% · 4.625%
HK$87,376
+HK$5,012/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,728/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,223
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,535
−HK$2,346/mo
Today · 4.125%
HK$90,881
baseline
▲ 0.50% · 4.625%
HK$95,671
+HK$4,790/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,762/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,648
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,748
−HK$3,149/mo
Today · 4.125%
HK$105,897
baseline
▲ 0.50% · 4.625%
HK$112,341
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,794/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,858
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,831
−HK$3,016/mo
Today · 4.125%
HK$116,847
baseline
▲ 0.50% · 4.625%
HK$123,006
+HK$6,159/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,694/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,816 · Scale 2, in force from 26 Feb 2026)