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$55,159
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,875
−HK$1,743/mo
Today · 4.125%
HK$58,618
baseline
▲ 0.50% · 4.625%
HK$62,185
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,236/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,364
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,010
−HK$1,670/mo
Today · 4.125%
HK$64,680
baseline
▲ 0.50% · 4.625%
HK$68,089
+HK$3,409/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,360/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,191
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,250
−HK$2,092/mo
Today · 4.125%
HK$70,342
baseline
▲ 0.50% · 4.625%
HK$74,622
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,684/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,637
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,612
−HK$2,004/mo
Today · 4.125%
HK$77,616
baseline
▲ 0.50% · 4.625%
HK$81,707
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,232/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,223
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,625
−HK$2,441/mo
Today · 4.125%
HK$82,066
baseline
▲ 0.50% · 4.625%
HK$87,059
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,132/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,910
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,214
−HK$2,338/mo
Today · 4.125%
HK$90,552
baseline
▲ 0.50% · 4.625%
HK$95,325
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,104/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,287
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,375
−HK$3,138/mo
Today · 4.125%
HK$105,513
baseline
▲ 0.50% · 4.625%
HK$111,933
+HK$6,420/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,026/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,456
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,418
−HK$3,005/mo
Today · 4.125%
HK$116,423
baseline
▲ 0.50% · 4.625%
HK$122,560
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,846/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,076 · Scale 2, in force from 26 Feb 2026)