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$55,280
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,747/mo
Today · 4.125%
HK$58,746
baseline
▲ 0.50% · 4.625%
HK$62,321
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,492/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,147
−HK$1,673/mo
Today · 4.125%
HK$64,820
baseline
▲ 0.50% · 4.625%
HK$68,237
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,640/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,335
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,399
−HK$2,096/mo
Today · 4.125%
HK$70,495
baseline
▲ 0.50% · 4.625%
HK$74,785
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$140,990/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,797
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,777
−HK$2,008/mo
Today · 4.125%
HK$77,785
baseline
▲ 0.50% · 4.625%
HK$81,885
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,570/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,391
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,799
−HK$2,445/mo
Today · 4.125%
HK$82,244
baseline
▲ 0.50% · 4.625%
HK$87,249
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,488/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,097
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,406
−HK$2,343/mo
Today · 4.125%
HK$90,749
baseline
▲ 0.50% · 4.625%
HK$95,532
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,498/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,503
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,598
−HK$3,145/mo
Today · 4.125%
HK$105,743
baseline
▲ 0.50% · 4.625%
HK$112,177
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,486/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,696
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,665
−HK$3,012/mo
Today · 4.125%
HK$116,677
baseline
▲ 0.50% · 4.625%
HK$122,827
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,354/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,314 · Scale 2, in force from 26 Feb 2026)