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$55,287
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,007
−HK$1,747/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$62,329
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,506
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,156
−HK$1,673/mo
Today · 4.125%
HK$64,829
baseline
▲ 0.50% · 4.625%
HK$68,247
+HK$3,418/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,658/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,345
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$2,097/mo
Today · 4.125%
HK$70,505
baseline
▲ 0.50% · 4.625%
HK$74,795
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,010/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,808
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,787
−HK$2,008/mo
Today · 4.125%
HK$77,795
baseline
▲ 0.50% · 4.625%
HK$81,896
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,590/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,402
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,810
−HK$2,446/mo
Today · 4.125%
HK$82,256
baseline
▲ 0.50% · 4.625%
HK$87,261
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,512/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,109
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,418
−HK$2,343/mo
Today · 4.125%
HK$90,761
baseline
▲ 0.50% · 4.625%
HK$95,545
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,522/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,517
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,613
−HK$3,145/mo
Today · 4.125%
HK$105,758
baseline
▲ 0.50% · 4.625%
HK$112,193
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,516/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,712
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,681
−HK$3,012/mo
Today · 4.125%
HK$116,693
baseline
▲ 0.50% · 4.625%
HK$122,844
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,386/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,457 · Scale 2, in force from 26 Feb 2026)