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$55,291
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,011
−HK$1,747/mo
Today · 4.125%
HK$58,758
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,516/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,510
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,160
−HK$1,674/mo
Today · 4.125%
HK$64,834
baseline
▲ 0.50% · 4.625%
HK$68,251
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,668/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,349
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$2,097/mo
Today · 4.125%
HK$70,510
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,020/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,813
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,792
−HK$2,008/mo
Today · 4.125%
HK$77,800
baseline
▲ 0.50% · 4.625%
HK$81,901
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,600/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,407
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,815
−HK$2,446/mo
Today · 4.125%
HK$82,261
baseline
▲ 0.50% · 4.625%
HK$87,267
+HK$5,006/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,522/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,115
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,424
−HK$2,343/mo
Today · 4.125%
HK$90,767
baseline
▲ 0.50% · 4.625%
HK$95,552
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,534/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,523
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,619
−HK$3,145/mo
Today · 4.125%
HK$105,764
baseline
▲ 0.50% · 4.625%
HK$112,200
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,528/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,719
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,688
−HK$3,013/mo
Today · 4.125%
HK$116,701
baseline
▲ 0.50% · 4.625%
HK$122,852
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,402/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,525 · Scale 2, in force from 26 Feb 2026)