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$55,504
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,230
−HK$1,755/mo
Today · 4.125%
HK$58,985
baseline
▲ 0.50% · 4.625%
HK$62,574
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,970/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,748
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,404
−HK$1,680/mo
Today · 4.125%
HK$65,084
baseline
▲ 0.50% · 4.625%
HK$68,514
+HK$3,430/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,168/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,605
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,677
−HK$2,104/mo
Today · 4.125%
HK$70,781
baseline
▲ 0.50% · 4.625%
HK$75,088
+HK$4,307/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,562/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,097
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,084
−HK$2,016/mo
Today · 4.125%
HK$78,100
baseline
▲ 0.50% · 4.625%
HK$82,217
+HK$4,117/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,200/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,706
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,123
−HK$2,455/mo
Today · 4.125%
HK$82,578
baseline
▲ 0.50% · 4.625%
HK$87,603
+HK$5,025/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,156/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,447
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,765
−HK$2,352/mo
Today · 4.125%
HK$91,117
baseline
▲ 0.50% · 4.625%
HK$95,920
+HK$4,803/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,234/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,907
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,015
−HK$3,157/mo
Today · 4.125%
HK$106,172
baseline
▲ 0.50% · 4.625%
HK$112,633
+HK$6,461/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,344/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,146
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,127
−HK$3,024/mo
Today · 4.125%
HK$117,151
baseline
▲ 0.50% · 4.625%
HK$123,326
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,302/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,497 · Scale 2, in force from 26 Feb 2026)