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$55,208
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,925
−HK$1,745/mo
Today · 4.125%
HK$58,670
baseline
▲ 0.50% · 4.625%
HK$62,239
+HK$3,569/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,340/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,418
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,065
−HK$1,671/mo
Today · 4.125%
HK$64,736
baseline
▲ 0.50% · 4.625%
HK$68,148
+HK$3,412/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,472/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,249
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,310
−HK$2,093/mo
Today · 4.125%
HK$70,403
baseline
▲ 0.50% · 4.625%
HK$74,687
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,806/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,701
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,678
−HK$2,005/mo
Today · 4.125%
HK$77,683
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,095/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,366/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,291
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,695
−HK$2,442/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$87,135
+HK$4,998/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,985
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,291
−HK$2,339/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$95,408
+HK$4,778/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,374
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,465
−HK$3,140/mo
Today · 4.125%
HK$105,605
baseline
▲ 0.50% · 4.625%
HK$112,031
+HK$6,426/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,210/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,552
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,517
−HK$3,008/mo
Today · 4.125%
HK$116,525
baseline
▲ 0.50% · 4.625%
HK$122,667
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,050/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,972 · Scale 2, in force from 26 Feb 2026)