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$55,177
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,894
−HK$1,743/mo
Today · 4.125%
HK$58,637
baseline
▲ 0.50% · 4.625%
HK$62,205
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,274/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,384
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,031
−HK$1,670/mo
Today · 4.125%
HK$64,701
baseline
▲ 0.50% · 4.625%
HK$68,111
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,402/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,213
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,272
−HK$2,093/mo
Today · 4.125%
HK$70,365
baseline
▲ 0.50% · 4.625%
HK$74,646
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,730/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,661
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,637
−HK$2,004/mo
Today · 4.125%
HK$77,641
baseline
▲ 0.50% · 4.625%
HK$81,733
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,282/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,248
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,651
−HK$2,441/mo
Today · 4.125%
HK$82,092
baseline
▲ 0.50% · 4.625%
HK$87,088
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,184/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,938
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,243
−HK$2,338/mo
Today · 4.125%
HK$90,581
baseline
▲ 0.50% · 4.625%
HK$95,356
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,162/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,319
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,409
−HK$3,138/mo
Today · 4.125%
HK$105,547
baseline
▲ 0.50% · 4.625%
HK$111,970
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,094/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,492
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,455
−HK$3,006/mo
Today · 4.125%
HK$116,461
baseline
▲ 0.50% · 4.625%
HK$122,600
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,922/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,410 · Scale 2, in force from 26 Feb 2026)