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$55,382
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,105
−HK$1,750/mo
Today · 4.125%
HK$58,855
baseline
▲ 0.50% · 4.625%
HK$62,437
+HK$3,582/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,710/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,612
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,265
−HK$1,676/mo
Today · 4.125%
HK$64,941
baseline
▲ 0.50% · 4.625%
HK$68,364
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,882/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,459
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,526
−HK$2,100/mo
Today · 4.125%
HK$70,626
baseline
▲ 0.50% · 4.625%
HK$74,924
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,252/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,935
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,918
−HK$2,011/mo
Today · 4.125%
HK$77,929
baseline
▲ 0.50% · 4.625%
HK$82,037
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,858/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,535
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,947
−HK$2,451/mo
Today · 4.125%
HK$82,398
baseline
▲ 0.50% · 4.625%
HK$87,411
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,796/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,257
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,571
−HK$2,347/mo
Today · 4.125%
HK$90,918
baseline
▲ 0.50% · 4.625%
HK$95,710
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,836/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,688
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,789
−HK$3,151/mo
Today · 4.125%
HK$105,940
baseline
▲ 0.50% · 4.625%
HK$112,386
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,880/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,902
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,877
−HK$3,017/mo
Today · 4.125%
HK$116,894
baseline
▲ 0.50% · 4.625%
HK$123,056
+HK$6,162/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,788/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,232 · Scale 2, in force from 26 Feb 2026)