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$55,274
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$56,994
−HK$1,747/mo
Today · 4.125%
HK$58,741
baseline
▲ 0.50% · 4.625%
HK$62,315
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,482/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,492
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,141
−HK$1,673/mo
Today · 4.125%
HK$64,814
baseline
▲ 0.50% · 4.625%
HK$68,231
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,628/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,329
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,393
−HK$2,096/mo
Today · 4.125%
HK$70,489
baseline
▲ 0.50% · 4.625%
HK$74,778
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,978/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,791
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,770
−HK$2,007/mo
Today · 4.125%
HK$77,777
baseline
▲ 0.50% · 4.625%
HK$81,877
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,554/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,384
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,791
−HK$2,446/mo
Today · 4.125%
HK$82,237
baseline
▲ 0.50% · 4.625%
HK$87,241
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,474/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,089
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,398
−HK$2,342/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$95,523
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,494
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,589
−HK$3,144/mo
Today · 4.125%
HK$105,733
baseline
▲ 0.50% · 4.625%
HK$112,167
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,466/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,686
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,655
−HK$3,011/mo
Today · 4.125%
HK$116,666
baseline
▲ 0.50% · 4.625%
HK$122,816
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,332/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,219 · Scale 2, in force from 26 Feb 2026)