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$55,232
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,950
−HK$1,745/mo
Today · 4.125%
HK$58,695
baseline
▲ 0.50% · 4.625%
HK$62,266
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,390/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,445
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,092
−HK$1,672/mo
Today · 4.125%
HK$64,764
baseline
▲ 0.50% · 4.625%
HK$68,178
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,528/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,278
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,339
−HK$2,095/mo
Today · 4.125%
HK$70,434
baseline
▲ 0.50% · 4.625%
HK$74,720
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,868/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,733
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,711
−HK$2,006/mo
Today · 4.125%
HK$77,717
baseline
▲ 0.50% · 4.625%
HK$81,814
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,434/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,324
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,729
−HK$2,444/mo
Today · 4.125%
HK$82,173
baseline
▲ 0.50% · 4.625%
HK$87,173
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,346/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,022
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,329
−HK$2,341/mo
Today · 4.125%
HK$90,670
baseline
▲ 0.50% · 4.625%
HK$95,449
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,340/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,417
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,509
−HK$3,142/mo
Today · 4.125%
HK$105,651
baseline
▲ 0.50% · 4.625%
HK$112,080
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,302/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,600
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,566
−HK$3,009/mo
Today · 4.125%
HK$116,575
baseline
▲ 0.50% · 4.625%
HK$122,720
+HK$6,145/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,150/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,420 · Scale 2, in force from 26 Feb 2026)