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$3,460/mo
▼ 0.25% · 3.875%
HK$56,898
−HK$1,744/mo
Today · 4.125%
HK$58,642
baseline
▲ 0.50% · 4.625%
HK$62,210
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,284/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,389
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,035
−HK$1,671/mo
Today · 4.125%
HK$64,706
baseline
▲ 0.50% · 4.625%
HK$68,116
+HK$3,410/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$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,218
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,278
−HK$2,092/mo
Today · 4.125%
HK$70,370
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,740/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,667
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,642
−HK$2,005/mo
Today · 4.125%
HK$77,647
baseline
▲ 0.50% · 4.625%
HK$81,740
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,294/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,254
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,657
−HK$2,442/mo
Today · 4.125%
HK$82,099
baseline
▲ 0.50% · 4.625%
HK$87,094
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,198/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,945
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,250
−HK$2,338/mo
Today · 4.125%
HK$90,588
baseline
▲ 0.50% · 4.625%
HK$95,363
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,176/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,327
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,416
−HK$3,139/mo
Today · 4.125%
HK$105,555
baseline
▲ 0.50% · 4.625%
HK$111,978
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,110/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,500
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,464
−HK$3,006/mo
Today · 4.125%
HK$116,470
baseline
▲ 0.50% · 4.625%
HK$122,609
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,940/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,489 · Scale 2, in force from 26 Feb 2026)