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$55,411
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,134
−HK$1,751/mo
Today · 4.125%
HK$58,885
baseline
▲ 0.50% · 4.625%
HK$62,468
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,770/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,644
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,297
−HK$1,677/mo
Today · 4.125%
HK$64,974
baseline
▲ 0.50% · 4.625%
HK$68,399
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,948/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,493
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,561
−HK$2,101/mo
Today · 4.125%
HK$70,662
baseline
▲ 0.50% · 4.625%
HK$74,962
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,324/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,972
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,956
−HK$2,013/mo
Today · 4.125%
HK$77,969
baseline
▲ 0.50% · 4.625%
HK$82,079
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,938/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,575
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,988
−HK$2,451/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$87,456
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,301
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,616
−HK$2,348/mo
Today · 4.125%
HK$90,964
baseline
▲ 0.50% · 4.625%
HK$95,759
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,928/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,739
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,841
−HK$3,153/mo
Today · 4.125%
HK$105,994
baseline
▲ 0.50% · 4.625%
HK$112,443
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,988/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,959
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,934
−HK$3,019/mo
Today · 4.125%
HK$116,953
baseline
▲ 0.50% · 4.625%
HK$123,118
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,906/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,757 · Scale 2, in force from 26 Feb 2026)