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$55,329
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,050
−HK$1,749/mo
Today · 4.125%
HK$58,799
baseline
▲ 0.50% · 4.625%
HK$62,376
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,598/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,553
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,204
−HK$1,674/mo
Today · 4.125%
HK$64,878
baseline
▲ 0.50% · 4.625%
HK$68,298
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,756/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,395
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,460
−HK$2,098/mo
Today · 4.125%
HK$70,558
baseline
▲ 0.50% · 4.625%
HK$74,852
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,116/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,863
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,844
−HK$2,010/mo
Today · 4.125%
HK$77,854
baseline
▲ 0.50% · 4.625%
HK$81,958
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,708/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,461
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,870
−HK$2,448/mo
Today · 4.125%
HK$82,318
baseline
▲ 0.50% · 4.625%
HK$87,327
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,636/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,174
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,485
−HK$2,345/mo
Today · 4.125%
HK$90,830
baseline
▲ 0.50% · 4.625%
HK$95,618
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,660/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,592
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,690
−HK$3,147/mo
Today · 4.125%
HK$105,837
baseline
▲ 0.50% · 4.625%
HK$112,277
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,674/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,795
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,767
−HK$3,014/mo
Today · 4.125%
HK$116,781
baseline
▲ 0.50% · 4.625%
HK$122,937
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,562/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,235 · Scale 2, in force from 26 Feb 2026)