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$55,292
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,012
−HK$1,747/mo
Today · 4.125%
HK$58,759
baseline
▲ 0.50% · 4.625%
HK$62,335
+HK$3,576/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,518/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,512
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,162
−HK$1,673/mo
Today · 4.125%
HK$64,835
baseline
▲ 0.50% · 4.625%
HK$68,253
+HK$3,418/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,670/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,351
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,414
−HK$2,097/mo
Today · 4.125%
HK$70,511
baseline
▲ 0.50% · 4.625%
HK$74,802
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,022/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,814
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,794
−HK$2,008/mo
Today · 4.125%
HK$77,802
baseline
▲ 0.50% · 4.625%
HK$81,903
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,604/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,409
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,817
−HK$2,446/mo
Today · 4.125%
HK$82,263
baseline
▲ 0.50% · 4.625%
HK$87,269
+HK$5,006/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,526/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,117
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,426
−HK$2,343/mo
Today · 4.125%
HK$90,769
baseline
▲ 0.50% · 4.625%
HK$95,554
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,538/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,526
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,622
−HK$3,145/mo
Today · 4.125%
HK$105,767
baseline
▲ 0.50% · 4.625%
HK$112,203
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,534/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,721
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,691
−HK$3,012/mo
Today · 4.125%
HK$116,703
baseline
▲ 0.50% · 4.625%
HK$122,855
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,406/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,549 · Scale 2, in force from 26 Feb 2026)