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$55,290
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,010
−HK$1,747/mo
Today · 4.125%
HK$58,757
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,576/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,514/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,510
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,159
−HK$1,674/mo
Today · 4.125%
HK$64,833
baseline
▲ 0.50% · 4.625%
HK$68,250
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,666/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,348
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,412
−HK$2,097/mo
Today · 4.125%
HK$70,509
baseline
▲ 0.50% · 4.625%
HK$74,799
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,018/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,812
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,791
−HK$2,009/mo
Today · 4.125%
HK$77,800
baseline
▲ 0.50% · 4.625%
HK$81,901
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,600/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,406
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,814
−HK$2,446/mo
Today · 4.125%
HK$82,260
baseline
▲ 0.50% · 4.625%
HK$87,266
+HK$5,006/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,520/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,114
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,423
−HK$2,343/mo
Today · 4.125%
HK$90,766
baseline
▲ 0.50% · 4.625%
HK$95,551
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,532/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,522
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,618
−HK$3,145/mo
Today · 4.125%
HK$105,763
baseline
▲ 0.50% · 4.625%
HK$112,199
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,526/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,718
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,687
−HK$3,012/mo
Today · 4.125%
HK$116,699
baseline
▲ 0.50% · 4.625%
HK$122,851
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,398/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,514 · Scale 2, in force from 26 Feb 2026)