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$55,389
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,111
−HK$1,751/mo
Today · 4.125%
HK$58,862
baseline
▲ 0.50% · 4.625%
HK$62,444
+HK$3,582/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,724/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,619
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,272
−HK$1,676/mo
Today · 4.125%
HK$64,948
baseline
▲ 0.50% · 4.625%
HK$68,372
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,896/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,466
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,534
−HK$2,100/mo
Today · 4.125%
HK$70,634
baseline
▲ 0.50% · 4.625%
HK$74,932
+HK$4,298/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,268/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,943
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,926
−HK$2,012/mo
Today · 4.125%
HK$77,938
baseline
▲ 0.50% · 4.625%
HK$82,046
+HK$4,108/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,876/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,544
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,956
−HK$2,451/mo
Today · 4.125%
HK$82,407
baseline
▲ 0.50% · 4.625%
HK$87,421
+HK$5,014/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,814/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,267
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,581
−HK$2,347/mo
Today · 4.125%
HK$90,928
baseline
▲ 0.50% · 4.625%
HK$95,721
+HK$4,793/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,856/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,699
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,801
−HK$3,151/mo
Today · 4.125%
HK$105,952
baseline
▲ 0.50% · 4.625%
HK$112,398
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,904/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,915
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,889
−HK$3,018/mo
Today · 4.125%
HK$116,907
baseline
▲ 0.50% · 4.625%
HK$123,069
+HK$6,162/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,814/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,347 · Scale 2, in force from 26 Feb 2026)