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$55,171
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,887
−HK$1,744/mo
Today · 4.125%
HK$58,631
baseline
▲ 0.50% · 4.625%
HK$62,199
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,262/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,378
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,670/mo
Today · 4.125%
HK$64,694
baseline
▲ 0.50% · 4.625%
HK$68,104
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,388/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,206
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,265
−HK$2,092/mo
Today · 4.125%
HK$70,357
baseline
▲ 0.50% · 4.625%
HK$74,638
+HK$4,281/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,714/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,653
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,628
−HK$2,004/mo
Today · 4.125%
HK$77,632
baseline
▲ 0.50% · 4.625%
HK$81,724
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,264/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,240
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,642
−HK$2,441/mo
Today · 4.125%
HK$82,083
baseline
▲ 0.50% · 4.625%
HK$87,078
+HK$4,995/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,166/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,929
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,233
−HK$2,338/mo
Today · 4.125%
HK$90,571
baseline
▲ 0.50% · 4.625%
HK$95,345
+HK$4,774/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,142/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,308
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,397
−HK$3,139/mo
Today · 4.125%
HK$105,536
baseline
▲ 0.50% · 4.625%
HK$111,957
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,072/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,480
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,443
−HK$3,005/mo
Today · 4.125%
HK$116,448
baseline
▲ 0.50% · 4.625%
HK$122,587
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,896/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,298 · Scale 2, in force from 26 Feb 2026)