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$55,212
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,930
−HK$1,745/mo
Today · 4.125%
HK$58,675
baseline
▲ 0.50% · 4.625%
HK$62,245
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,350/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,423
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,672/mo
Today · 4.125%
HK$64,742
baseline
▲ 0.50% · 4.625%
HK$68,154
+HK$3,412/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,484/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,255
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,316
−HK$2,093/mo
Today · 4.125%
HK$70,409
baseline
▲ 0.50% · 4.625%
HK$74,694
+HK$4,285/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,818/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,708
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,684
−HK$2,006/mo
Today · 4.125%
HK$77,690
baseline
▲ 0.50% · 4.625%
HK$81,785
+HK$4,095/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,380/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,297
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,702
−HK$2,442/mo
Today · 4.125%
HK$82,144
baseline
▲ 0.50% · 4.625%
HK$87,143
+HK$4,999/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,288/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,992
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,299
−HK$2,339/mo
Today · 4.125%
HK$90,638
baseline
▲ 0.50% · 4.625%
HK$95,416
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,276/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,382
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,473
−HK$3,141/mo
Today · 4.125%
HK$105,614
baseline
▲ 0.50% · 4.625%
HK$112,041
+HK$6,427/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,228/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,561
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,527
−HK$3,008/mo
Today · 4.125%
HK$116,535
baseline
▲ 0.50% · 4.625%
HK$122,677
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,070/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,060 · Scale 2, in force from 26 Feb 2026)