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$55,206
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,924
−HK$1,744/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$62,238
+HK$3,570/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,417
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,064
−HK$1,671/mo
Today · 4.125%
HK$64,735
baseline
▲ 0.50% · 4.625%
HK$68,147
+HK$3,412/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,470/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,248
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,308
−HK$2,094/mo
Today · 4.125%
HK$70,402
baseline
▲ 0.50% · 4.625%
HK$74,686
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,804/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,700
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,677
−HK$2,005/mo
Today · 4.125%
HK$77,682
baseline
▲ 0.50% · 4.625%
HK$81,776
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,364/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,289
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,693
−HK$2,443/mo
Today · 4.125%
HK$82,136
baseline
▲ 0.50% · 4.625%
HK$87,134
+HK$4,998/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,272/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,983
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,289
−HK$2,340/mo
Today · 4.125%
HK$90,629
baseline
▲ 0.50% · 4.625%
HK$95,406
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,258/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,372
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,463
−HK$3,140/mo
Today · 4.125%
HK$105,603
baseline
▲ 0.50% · 4.625%
HK$112,029
+HK$6,426/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,206/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,550
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,515
−HK$3,008/mo
Today · 4.125%
HK$116,523
baseline
▲ 0.50% · 4.625%
HK$122,665
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,046/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,953 · Scale 2, in force from 26 Feb 2026)