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$55,333
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,055
−HK$1,748/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$62,381
+HK$3,578/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,209
−HK$1,675/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,304
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,400
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,465
−HK$2,099/mo
Today · 4.125%
HK$70,564
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,128/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,869
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,851
−HK$2,009/mo
Today · 4.125%
HK$77,860
baseline
▲ 0.50% · 4.625%
HK$81,964
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,720/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,467
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,876
−HK$2,449/mo
Today · 4.125%
HK$82,325
baseline
▲ 0.50% · 4.625%
HK$87,334
+HK$5,009/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,650/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,181
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,492
−HK$2,345/mo
Today · 4.125%
HK$90,837
baseline
▲ 0.50% · 4.625%
HK$95,625
+HK$4,788/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,674/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,600
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,698
−HK$3,148/mo
Today · 4.125%
HK$105,846
baseline
▲ 0.50% · 4.625%
HK$112,286
+HK$6,440/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,692/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,804
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,776
−HK$3,014/mo
Today · 4.125%
HK$116,790
baseline
▲ 0.50% · 4.625%
HK$122,947
+HK$6,157/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,580/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,318 · Scale 2, in force from 26 Feb 2026)