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$55,276
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$56,996
−HK$1,747/mo
Today · 4.125%
HK$58,743
baseline
▲ 0.50% · 4.625%
HK$62,317
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,486/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,494
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,144
−HK$1,673/mo
Today · 4.125%
HK$64,817
baseline
▲ 0.50% · 4.625%
HK$68,233
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,634/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,332
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,395
−HK$2,096/mo
Today · 4.125%
HK$70,491
baseline
▲ 0.50% · 4.625%
HK$74,781
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,982/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,793
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,772
−HK$2,008/mo
Today · 4.125%
HK$77,780
baseline
▲ 0.50% · 4.625%
HK$81,880
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,560/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,387
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,446/mo
Today · 4.125%
HK$82,240
baseline
▲ 0.50% · 4.625%
HK$87,244
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,480/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,092
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,401
−HK$2,343/mo
Today · 4.125%
HK$90,744
baseline
▲ 0.50% · 4.625%
HK$95,527
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,488/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,498
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,592
−HK$3,145/mo
Today · 4.125%
HK$105,737
baseline
▲ 0.50% · 4.625%
HK$112,171
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,474/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,690
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,659
−HK$3,011/mo
Today · 4.125%
HK$116,670
baseline
▲ 0.50% · 4.625%
HK$122,820
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,340/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,256 · Scale 2, in force from 26 Feb 2026)