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$55,241
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,960
−HK$1,746/mo
Today · 4.125%
HK$58,706
baseline
▲ 0.50% · 4.625%
HK$62,278
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,412/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,456
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,104
−HK$1,672/mo
Today · 4.125%
HK$64,776
baseline
▲ 0.50% · 4.625%
HK$68,190
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,552/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,290
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,352
−HK$2,095/mo
Today · 4.125%
HK$70,447
baseline
▲ 0.50% · 4.625%
HK$74,733
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,894/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,747
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,007/mo
Today · 4.125%
HK$77,731
baseline
▲ 0.50% · 4.625%
HK$81,828
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,462/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,338
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,744
−HK$2,444/mo
Today · 4.125%
HK$82,188
baseline
▲ 0.50% · 4.625%
HK$87,189
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,376/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,038
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,345
−HK$2,341/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$95,466
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,435
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,528
−HK$3,142/mo
Today · 4.125%
HK$105,670
baseline
▲ 0.50% · 4.625%
HK$112,100
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,340/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,620
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,587
−HK$3,009/mo
Today · 4.125%
HK$116,596
baseline
▲ 0.50% · 4.625%
HK$122,742
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,192/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,604 · Scale 2, in force from 26 Feb 2026)