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$55,282
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,001
−HK$1,748/mo
Today · 4.125%
HK$58,749
baseline
▲ 0.50% · 4.625%
HK$62,323
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,498/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,501
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,673/mo
Today · 4.125%
HK$64,823
baseline
▲ 0.50% · 4.625%
HK$68,240
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,646/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,338
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,402
−HK$2,096/mo
Today · 4.125%
HK$70,498
baseline
▲ 0.50% · 4.625%
HK$74,788
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$140,996/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,801
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,780
−HK$2,008/mo
Today · 4.125%
HK$77,788
baseline
▲ 0.50% · 4.625%
HK$81,888
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,576/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,395
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,802
−HK$2,446/mo
Today · 4.125%
HK$82,248
baseline
▲ 0.50% · 4.625%
HK$87,253
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,496/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,101
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,410
−HK$2,342/mo
Today · 4.125%
HK$90,752
baseline
▲ 0.50% · 4.625%
HK$95,536
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,504/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,507
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,603
−HK$3,144/mo
Today · 4.125%
HK$105,747
baseline
▲ 0.50% · 4.625%
HK$112,182
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,494/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,701
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,670
−HK$3,012/mo
Today · 4.125%
HK$116,682
baseline
▲ 0.50% · 4.625%
HK$122,832
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,364/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,358 · Scale 2, in force from 26 Feb 2026)