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$55,294
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,748/mo
Today · 4.125%
HK$58,762
baseline
▲ 0.50% · 4.625%
HK$62,337
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,524/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,514
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,674/mo
Today · 4.125%
HK$64,838
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,676/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,417
−HK$2,097/mo
Today · 4.125%
HK$70,514
baseline
▲ 0.50% · 4.625%
HK$74,804
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,028/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,817
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,797
−HK$2,008/mo
Today · 4.125%
HK$77,805
baseline
▲ 0.50% · 4.625%
HK$81,906
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,610/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,412
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,446/mo
Today · 4.125%
HK$82,266
baseline
▲ 0.50% · 4.625%
HK$87,272
+HK$5,006/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,532/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,120
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,430
−HK$2,343/mo
Today · 4.125%
HK$90,773
baseline
▲ 0.50% · 4.625%
HK$95,557
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,546/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,529
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,625
−HK$3,146/mo
Today · 4.125%
HK$105,771
baseline
▲ 0.50% · 4.625%
HK$112,207
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,542/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,726
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,695
−HK$3,013/mo
Today · 4.125%
HK$116,708
baseline
▲ 0.50% · 4.625%
HK$122,860
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,416/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,587 · Scale 2, in force from 26 Feb 2026)