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$55,167
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,743/mo
Today · 4.125%
HK$58,626
baseline
▲ 0.50% · 4.625%
HK$62,194
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,252/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,373
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,019
−HK$1,669/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,098
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,200
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,259
−HK$2,093/mo
Today · 4.125%
HK$70,352
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,704/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,647
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,622
−HK$2,004/mo
Today · 4.125%
HK$77,626
baseline
▲ 0.50% · 4.625%
HK$81,718
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,252/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,636
−HK$2,441/mo
Today · 4.125%
HK$82,077
baseline
▲ 0.50% · 4.625%
HK$87,071
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,154/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,922
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,226
−HK$2,338/mo
Today · 4.125%
HK$90,564
baseline
▲ 0.50% · 4.625%
HK$95,338
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,128/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,300
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,389
−HK$3,138/mo
Today · 4.125%
HK$105,527
baseline
▲ 0.50% · 4.625%
HK$111,949
+HK$6,422/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,054/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,471
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,434
−HK$3,005/mo
Today · 4.125%
HK$116,439
baseline
▲ 0.50% · 4.625%
HK$122,577
+HK$6,138/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,878/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,215 · Scale 2, in force from 26 Feb 2026)