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$55,182
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,899
−HK$1,744/mo
Today · 4.125%
HK$58,643
baseline
▲ 0.50% · 4.625%
HK$62,211
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,286/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,390
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,670/mo
Today · 4.125%
HK$64,706
baseline
▲ 0.50% · 4.625%
HK$68,117
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,412/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,219
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$2,092/mo
Today · 4.125%
HK$70,371
baseline
▲ 0.50% · 4.625%
HK$74,653
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,742/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,668
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,643
−HK$2,005/mo
Today · 4.125%
HK$77,648
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,296/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,255
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,658
−HK$2,442/mo
Today · 4.125%
HK$82,100
baseline
▲ 0.50% · 4.625%
HK$87,095
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,200/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,946
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,251
−HK$2,338/mo
Today · 4.125%
HK$90,589
baseline
▲ 0.50% · 4.625%
HK$95,364
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,178/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,328
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,418
−HK$3,139/mo
Today · 4.125%
HK$105,557
baseline
▲ 0.50% · 4.625%
HK$111,980
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,114/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,502
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,465
−HK$3,007/mo
Today · 4.125%
HK$116,472
baseline
▲ 0.50% · 4.625%
HK$122,611
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,944/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,502 · Scale 2, in force from 26 Feb 2026)