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$55,267
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,986
−HK$1,747/mo
Today · 4.125%
HK$58,733
baseline
▲ 0.50% · 4.625%
HK$62,307
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,466/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,484
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,133
−HK$1,673/mo
Today · 4.125%
HK$64,806
baseline
▲ 0.50% · 4.625%
HK$68,222
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,612/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,384
−HK$2,096/mo
Today · 4.125%
HK$70,480
baseline
▲ 0.50% · 4.625%
HK$74,768
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,960/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,781
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,760
−HK$2,007/mo
Today · 4.125%
HK$77,767
baseline
▲ 0.50% · 4.625%
HK$81,867
+HK$4,100/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,534/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,374
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,781
−HK$2,445/mo
Today · 4.125%
HK$82,226
baseline
▲ 0.50% · 4.625%
HK$87,230
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,452/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,078
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,387
−HK$2,342/mo
Today · 4.125%
HK$90,729
baseline
▲ 0.50% · 4.625%
HK$95,511
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,458/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,481
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,576
−HK$3,143/mo
Today · 4.125%
HK$105,719
baseline
▲ 0.50% · 4.625%
HK$112,152
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,438/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,672
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,640
−HK$3,011/mo
Today · 4.125%
HK$116,651
baseline
▲ 0.50% · 4.625%
HK$122,800
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,302/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,086 · Scale 2, in force from 26 Feb 2026)