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$55,185
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,902
−HK$1,744/mo
Today · 4.125%
HK$58,646
baseline
▲ 0.50% · 4.625%
HK$62,214
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,292/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,393
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,040
−HK$1,670/mo
Today · 4.125%
HK$64,710
baseline
▲ 0.50% · 4.625%
HK$68,121
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,420/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,222
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,282
−HK$2,093/mo
Today · 4.125%
HK$70,375
baseline
▲ 0.50% · 4.625%
HK$74,657
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,750/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,672
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,648
−HK$2,004/mo
Today · 4.125%
HK$77,652
baseline
▲ 0.50% · 4.625%
HK$81,745
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,304/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,259
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,663
−HK$2,441/mo
Today · 4.125%
HK$82,104
baseline
▲ 0.50% · 4.625%
HK$87,100
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,208/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,950
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,256
−HK$2,338/mo
Today · 4.125%
HK$90,594
baseline
▲ 0.50% · 4.625%
HK$95,369
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,188/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,334
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,423
−HK$3,140/mo
Today · 4.125%
HK$105,563
baseline
▲ 0.50% · 4.625%
HK$111,986
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,126/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,508
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,471
−HK$3,007/mo
Today · 4.125%
HK$116,478
baseline
▲ 0.50% · 4.625%
HK$122,618
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,956/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,559 · Scale 2, in force from 26 Feb 2026)