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$55,168
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,884
−HK$1,743/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$62,195
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,374
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,020
−HK$1,670/mo
Today · 4.125%
HK$64,690
baseline
▲ 0.50% · 4.625%
HK$68,100
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,380/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,202
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,261
−HK$2,092/mo
Today · 4.125%
HK$70,353
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,706/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,649
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,004/mo
Today · 4.125%
HK$77,628
baseline
▲ 0.50% · 4.625%
HK$81,719
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,256/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,235
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,638
−HK$2,440/mo
Today · 4.125%
HK$82,078
baseline
▲ 0.50% · 4.625%
HK$87,073
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,156/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,923
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,228
−HK$2,337/mo
Today · 4.125%
HK$90,565
baseline
▲ 0.50% · 4.625%
HK$95,339
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,130/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,302
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,391
−HK$3,138/mo
Today · 4.125%
HK$105,529
baseline
▲ 0.50% · 4.625%
HK$111,951
+HK$6,422/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,058/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,473
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,436
−HK$3,005/mo
Today · 4.125%
HK$116,441
baseline
▲ 0.50% · 4.625%
HK$122,579
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,882/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,235 · Scale 2, in force from 26 Feb 2026)