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$55,271
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,991
−HK$1,746/mo
Today · 4.125%
HK$58,737
baseline
▲ 0.50% · 4.625%
HK$62,311
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,474/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,489
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,138
−HK$1,673/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,227
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,326
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,389
−HK$2,096/mo
Today · 4.125%
HK$70,485
baseline
▲ 0.50% · 4.625%
HK$74,774
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,970/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,787
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,765
−HK$2,008/mo
Today · 4.125%
HK$77,773
baseline
▲ 0.50% · 4.625%
HK$81,872
+HK$4,099/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,546/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,380
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,787
−HK$2,445/mo
Today · 4.125%
HK$82,232
baseline
▲ 0.50% · 4.625%
HK$87,236
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,464/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,084
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,393
−HK$2,342/mo
Today · 4.125%
HK$90,735
baseline
▲ 0.50% · 4.625%
HK$95,518
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,470/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,488
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,583
−HK$3,144/mo
Today · 4.125%
HK$105,727
baseline
▲ 0.50% · 4.625%
HK$112,160
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,454/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,680
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,648
−HK$3,011/mo
Today · 4.125%
HK$116,659
baseline
▲ 0.50% · 4.625%
HK$122,809
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,318/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,161 · Scale 2, in force from 26 Feb 2026)