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$55,383
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,105
−HK$1,751/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$62,437
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,613
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,265
−HK$1,676/mo
Today · 4.125%
HK$64,941
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,424/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$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,459
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,526
−HK$2,101/mo
Today · 4.125%
HK$70,627
baseline
▲ 0.50% · 4.625%
HK$74,924
+HK$4,297/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$141,254/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,935
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,918
−HK$2,012/mo
Today · 4.125%
HK$77,930
baseline
▲ 0.50% · 4.625%
HK$82,037
+HK$4,107/mo
Deposit HK$9.72M · loan HK$14.57M · min. income ≈ HK$155,860/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,536
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,947
−HK$2,451/mo
Today · 4.125%
HK$82,398
baseline
▲ 0.50% · 4.625%
HK$87,412
+HK$5,014/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$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,258
−HK$4,660/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$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,689
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,790
−HK$3,150/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$1,032,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,903
−HK$5,991/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$1,032,236 · Scale 2, in force from 26 Feb 2026)