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$55,202
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,919
−HK$1,745/mo
Today · 4.125%
HK$58,664
baseline
▲ 0.50% · 4.625%
HK$62,234
+HK$3,570/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,328/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,412
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,059
−HK$1,671/mo
Today · 4.125%
HK$64,730
baseline
▲ 0.50% · 4.625%
HK$68,142
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,460/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,243
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,303
−HK$2,094/mo
Today · 4.125%
HK$70,397
baseline
▲ 0.50% · 4.625%
HK$74,680
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,794/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,694
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,671
−HK$2,005/mo
Today · 4.125%
HK$77,676
baseline
▲ 0.50% · 4.625%
HK$81,770
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,352/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,283
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,687
−HK$2,443/mo
Today · 4.125%
HK$82,130
baseline
▲ 0.50% · 4.625%
HK$87,127
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,260/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,977
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,283
−HK$2,339/mo
Today · 4.125%
HK$90,622
baseline
▲ 0.50% · 4.625%
HK$95,399
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,244/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,364
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,455
−HK$3,140/mo
Today · 4.125%
HK$105,595
baseline
▲ 0.50% · 4.625%
HK$112,020
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,190/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,542
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,506
−HK$3,008/mo
Today · 4.125%
HK$116,514
baseline
▲ 0.50% · 4.625%
HK$122,655
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,028/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,875 · Scale 2, in force from 26 Feb 2026)