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$55,386
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,109
−HK$1,750/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$62,441
+HK$3,582/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,617
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,269
−HK$1,677/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,369
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,464
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,531
−HK$2,100/mo
Today · 4.125%
HK$70,631
baseline
▲ 0.50% · 4.625%
HK$74,929
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,262/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,940
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,923
−HK$2,012/mo
Today · 4.125%
HK$77,935
baseline
▲ 0.50% · 4.625%
HK$82,043
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,870/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,541
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,953
−HK$2,450/mo
Today · 4.125%
HK$82,403
baseline
▲ 0.50% · 4.625%
HK$87,417
+HK$5,014/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,806/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,263
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,577
−HK$2,347/mo
Today · 4.125%
HK$90,924
baseline
▲ 0.50% · 4.625%
HK$95,717
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,848/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,695
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,796
−HK$3,151/mo
Today · 4.125%
HK$105,947
baseline
▲ 0.50% · 4.625%
HK$112,394
+HK$6,447/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,894/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,910
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,885
−HK$3,017/mo
Today · 4.125%
HK$116,902
baseline
▲ 0.50% · 4.625%
HK$123,064
+HK$6,162/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,804/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,304 · Scale 2, in force from 26 Feb 2026)