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$55,299
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,019
−HK$1,748/mo
Today · 4.125%
HK$58,767
baseline
▲ 0.50% · 4.625%
HK$62,343
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,534/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,520
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,170
−HK$1,674/mo
Today · 4.125%
HK$64,844
baseline
▲ 0.50% · 4.625%
HK$68,262
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,688/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,359
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,423
−HK$2,097/mo
Today · 4.125%
HK$70,520
baseline
▲ 0.50% · 4.625%
HK$74,811
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,040/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,824
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,804
−HK$2,008/mo
Today · 4.125%
HK$77,812
baseline
▲ 0.50% · 4.625%
HK$81,914
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,624/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,419
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,827
−HK$2,447/mo
Today · 4.125%
HK$82,274
baseline
▲ 0.50% · 4.625%
HK$87,280
+HK$5,006/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,548/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,128
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,438
−HK$2,343/mo
Today · 4.125%
HK$90,781
baseline
▲ 0.50% · 4.625%
HK$95,566
+HK$4,785/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,562/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,539
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,635
−HK$3,146/mo
Today · 4.125%
HK$105,781
baseline
▲ 0.50% · 4.625%
HK$112,217
+HK$6,436/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,562/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,736
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,706
−HK$3,013/mo
Today · 4.125%
HK$116,719
baseline
▲ 0.50% · 4.625%
HK$122,871
+HK$6,152/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,438/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,683 · Scale 2, in force from 26 Feb 2026)