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$55,164
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,880
−HK$1,743/mo
Today · 4.125%
HK$58,623
baseline
▲ 0.50% · 4.625%
HK$62,190
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,246/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,369
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,015
−HK$1,670/mo
Today · 4.125%
HK$64,685
baseline
▲ 0.50% · 4.625%
HK$68,094
+HK$3,409/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,370/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,197
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,256
−HK$2,092/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,628
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,643
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,618
−HK$2,004/mo
Today · 4.125%
HK$77,622
baseline
▲ 0.50% · 4.625%
HK$81,713
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,244/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,229
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,632
−HK$2,440/mo
Today · 4.125%
HK$82,072
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,144/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,917
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,221
−HK$2,338/mo
Today · 4.125%
HK$90,559
baseline
▲ 0.50% · 4.625%
HK$95,332
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,118/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,295
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,384
−HK$3,138/mo
Today · 4.125%
HK$105,522
baseline
▲ 0.50% · 4.625%
HK$111,942
+HK$6,420/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,044/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,465
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,427
−HK$3,006/mo
Today · 4.125%
HK$116,433
baseline
▲ 0.50% · 4.625%
HK$122,570
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,866/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,158 · Scale 2, in force from 26 Feb 2026)