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$55,369
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,091
−HK$1,750/mo
Today · 4.125%
HK$58,841
baseline
▲ 0.50% · 4.625%
HK$62,421
+HK$3,580/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,682/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,676/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,347
+HK$3,422/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,442
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,509
−HK$2,100/mo
Today · 4.125%
HK$70,609
baseline
▲ 0.50% · 4.625%
HK$74,905
+HK$4,296/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,218/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,917
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,899
−HK$2,011/mo
Today · 4.125%
HK$77,910
baseline
▲ 0.50% · 4.625%
HK$82,017
+HK$4,107/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,820/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,516
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,927
−HK$2,450/mo
Today · 4.125%
HK$82,377
baseline
▲ 0.50% · 4.625%
HK$87,390
+HK$5,013/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$164,754/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,236
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,549
−HK$2,346/mo
Today · 4.125%
HK$90,895
baseline
▲ 0.50% · 4.625%
HK$95,686
+HK$4,791/mo
Deposit HK$7.28M · loan HK$17.00M · min. income ≈ HK$181,790/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,664
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,764
−HK$3,150/mo
Today · 4.125%
HK$105,914
baseline
▲ 0.50% · 4.625%
HK$112,358
+HK$6,444/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$211,828/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,875
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,848
−HK$3,017/mo
Today · 4.125%
HK$116,865
baseline
▲ 0.50% · 4.625%
HK$123,025
+HK$6,160/mo
Deposit HK$2.43M · loan HK$21.85M · min. income ≈ HK$233,730/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,977 · Scale 2, in force from 26 Feb 2026)