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$55,419
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,751/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$62,478
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,653
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,307
−HK$1,677/mo
Today · 4.125%
HK$64,984
baseline
▲ 0.50% · 4.625%
HK$68,409
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,968/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,503
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,572
−HK$2,101/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,974
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,984
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,968
−HK$2,013/mo
Today · 4.125%
HK$77,981
baseline
▲ 0.50% · 4.625%
HK$82,091
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,962/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,587
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,000
−HK$2,452/mo
Today · 4.125%
HK$82,452
baseline
▲ 0.50% · 4.625%
HK$87,469
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,904/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,314
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,629
−HK$2,349/mo
Today · 4.125%
HK$90,978
baseline
▲ 0.50% · 4.625%
HK$95,773
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,956/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,754
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,857
−HK$3,153/mo
Today · 4.125%
HK$106,010
baseline
▲ 0.50% · 4.625%
HK$112,460
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,020/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,976
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,952
−HK$3,019/mo
Today · 4.125%
HK$116,971
baseline
▲ 0.50% · 4.625%
HK$123,137
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,942/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,915 · Scale 2, in force from 26 Feb 2026)