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$55,183
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,900
−HK$1,744/mo
Today · 4.125%
HK$58,644
baseline
▲ 0.50% · 4.625%
HK$62,212
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,288/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,391
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,037
−HK$1,670/mo
Today · 4.125%
HK$64,707
baseline
▲ 0.50% · 4.625%
HK$68,118
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,414/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,220
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,280
−HK$2,092/mo
Today · 4.125%
HK$70,372
baseline
▲ 0.50% · 4.625%
HK$74,654
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,744/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,669
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,645
−HK$2,004/mo
Today · 4.125%
HK$77,649
baseline
▲ 0.50% · 4.625%
HK$81,742
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,298/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,256
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,441/mo
Today · 4.125%
HK$82,101
baseline
▲ 0.50% · 4.625%
HK$87,097
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,202/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,947
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,252
−HK$2,338/mo
Today · 4.125%
HK$90,590
baseline
▲ 0.50% · 4.625%
HK$95,366
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,180/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,330
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,419
−HK$3,140/mo
Today · 4.125%
HK$105,559
baseline
▲ 0.50% · 4.625%
HK$111,982
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,118/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,503
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,467
−HK$3,006/mo
Today · 4.125%
HK$116,473
baseline
▲ 0.50% · 4.625%
HK$122,613
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,946/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,518 · Scale 2, in force from 26 Feb 2026)