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$55,196
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,913
−HK$1,745/mo
Today · 4.125%
HK$58,658
baseline
▲ 0.50% · 4.625%
HK$62,227
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,316/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,405
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,052
−HK$1,671/mo
Today · 4.125%
HK$64,723
baseline
▲ 0.50% · 4.625%
HK$68,135
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,446/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,236
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,296
−HK$2,093/mo
Today · 4.125%
HK$70,389
baseline
▲ 0.50% · 4.625%
HK$74,672
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,778/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,687
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,663
−HK$2,005/mo
Today · 4.125%
HK$77,668
baseline
▲ 0.50% · 4.625%
HK$81,762
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,336/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,275
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,679
−HK$2,442/mo
Today · 4.125%
HK$82,121
baseline
▲ 0.50% · 4.625%
HK$87,118
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,242/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,968
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,273
−HK$2,339/mo
Today · 4.125%
HK$90,612
baseline
▲ 0.50% · 4.625%
HK$95,388
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,224/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,354
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,444
−HK$3,140/mo
Today · 4.125%
HK$105,584
baseline
▲ 0.50% · 4.625%
HK$112,008
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,168/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,530
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,494
−HK$3,007/mo
Today · 4.125%
HK$116,501
baseline
▲ 0.50% · 4.625%
HK$122,642
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,002/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,765 · Scale 2, in force from 26 Feb 2026)