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$55,337
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,059
−HK$1,748/mo
Today · 4.125%
HK$58,807
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,579/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,614/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,562
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,675/mo
Today · 4.125%
HK$64,888
baseline
▲ 0.50% · 4.625%
HK$68,308
+HK$3,420/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,776/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,405
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,470
−HK$2,099/mo
Today · 4.125%
HK$70,569
baseline
▲ 0.50% · 4.625%
HK$74,863
+HK$4,294/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$141,138/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,875
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,856
−HK$2,010/mo
Today · 4.125%
HK$77,866
baseline
▲ 0.50% · 4.625%
HK$81,970
+HK$4,104/mo
Deposit HK$9.71M · loan HK$14.56M · min. income ≈ HK$155,732/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,472
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,882
−HK$2,448/mo
Today · 4.125%
HK$82,330
baseline
▲ 0.50% · 4.625%
HK$87,340
+HK$5,010/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$164,660/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,187
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,498
−HK$2,345/mo
Today · 4.125%
HK$90,843
baseline
▲ 0.50% · 4.625%
HK$95,632
+HK$4,789/mo
Deposit HK$7.28M · loan HK$16.99M · min. income ≈ HK$181,686/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,607
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,705
−HK$3,148/mo
Today · 4.125%
HK$105,853
baseline
▲ 0.50% · 4.625%
HK$112,294
+HK$6,441/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$211,706/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,812
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,784
−HK$3,015/mo
Today · 4.125%
HK$116,799
baseline
▲ 0.50% · 4.625%
HK$122,955
+HK$6,156/mo
Deposit HK$2.43M · loan HK$21.84M · min. income ≈ HK$233,598/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,031,390 · Scale 2, in force from 26 Feb 2026)