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$55,285
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,004
−HK$1,748/mo
Today · 4.125%
HK$58,752
baseline
▲ 0.50% · 4.625%
HK$62,326
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,504/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,504
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,153
−HK$1,674/mo
Today · 4.125%
HK$64,827
baseline
▲ 0.50% · 4.625%
HK$68,244
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,654/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,342
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,405
−HK$2,097/mo
Today · 4.125%
HK$70,502
baseline
▲ 0.50% · 4.625%
HK$74,792
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,004/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,804
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,784
−HK$2,008/mo
Today · 4.125%
HK$77,792
baseline
▲ 0.50% · 4.625%
HK$81,892
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,584/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,399
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,806
−HK$2,446/mo
Today · 4.125%
HK$82,252
baseline
▲ 0.50% · 4.625%
HK$87,257
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,504/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,105
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,415
−HK$2,342/mo
Today · 4.125%
HK$90,757
baseline
▲ 0.50% · 4.625%
HK$95,541
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,514/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,513
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,608
−HK$3,145/mo
Today · 4.125%
HK$105,753
baseline
▲ 0.50% · 4.625%
HK$112,188
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,506/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,707
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,676
−HK$3,012/mo
Today · 4.125%
HK$116,688
baseline
▲ 0.50% · 4.625%
HK$122,839
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,376/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,412 · Scale 2, in force from 26 Feb 2026)