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$55,280
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,000
−HK$1,747/mo
Today · 4.125%
HK$58,747
baseline
▲ 0.50% · 4.625%
HK$62,321
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,494/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,499
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,148
−HK$1,673/mo
Today · 4.125%
HK$64,821
baseline
▲ 0.50% · 4.625%
HK$68,238
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,642/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,336
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,400
−HK$2,096/mo
Today · 4.125%
HK$70,496
baseline
▲ 0.50% · 4.625%
HK$74,785
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$140,992/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,798
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,777
−HK$2,008/mo
Today · 4.125%
HK$77,785
baseline
▲ 0.50% · 4.625%
HK$81,886
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,570/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,392
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,799
−HK$2,446/mo
Today · 4.125%
HK$82,245
baseline
▲ 0.50% · 4.625%
HK$87,250
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,490/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,098
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,407
−HK$2,343/mo
Today · 4.125%
HK$90,750
baseline
▲ 0.50% · 4.625%
HK$95,533
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,500/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,504
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,599
−HK$3,145/mo
Today · 4.125%
HK$105,744
baseline
▲ 0.50% · 4.625%
HK$112,178
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,488/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,697
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,666
−HK$3,012/mo
Today · 4.125%
HK$116,678
baseline
▲ 0.50% · 4.625%
HK$122,828
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,356/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,325 · Scale 2, in force from 26 Feb 2026)