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$55,404
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,127
−HK$1,751/mo
Today · 4.125%
HK$58,878
baseline
▲ 0.50% · 4.625%
HK$62,461
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,756/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,636
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,289
−HK$1,677/mo
Today · 4.125%
HK$64,966
baseline
▲ 0.50% · 4.625%
HK$68,390
+HK$3,424/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,932/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,484
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,552
−HK$2,102/mo
Today · 4.125%
HK$70,654
baseline
▲ 0.50% · 4.625%
HK$74,953
+HK$4,299/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,308/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,963
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,947
−HK$2,012/mo
Today · 4.125%
HK$77,959
baseline
▲ 0.50% · 4.625%
HK$82,069
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,918/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,565
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,978
−HK$2,451/mo
Today · 4.125%
HK$82,429
baseline
▲ 0.50% · 4.625%
HK$87,445
+HK$5,016/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,858/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,290
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,605
−HK$2,347/mo
Today · 4.125%
HK$90,952
baseline
▲ 0.50% · 4.625%
HK$95,747
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,904/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,727
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,829
−HK$3,151/mo
Today · 4.125%
HK$105,980
baseline
▲ 0.50% · 4.625%
HK$112,429
+HK$6,449/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$211,960/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,945
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,920
−HK$3,019/mo
Today · 4.125%
HK$116,939
baseline
▲ 0.50% · 4.625%
HK$123,103
+HK$6,164/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,878/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,628 · Scale 2, in force from 26 Feb 2026)