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$55,253
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,971
−HK$1,746/mo
Today · 4.125%
HK$58,717
baseline
▲ 0.50% · 4.625%
HK$62,290
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,434/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,468
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,116
−HK$1,673/mo
Today · 4.125%
HK$64,789
baseline
▲ 0.50% · 4.625%
HK$68,204
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,578/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,303
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,365
−HK$2,096/mo
Today · 4.125%
HK$70,461
baseline
▲ 0.50% · 4.625%
HK$74,748
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,922/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,762
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,740
−HK$2,007/mo
Today · 4.125%
HK$77,747
baseline
▲ 0.50% · 4.625%
HK$81,845
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,494/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,354
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,760
−HK$2,444/mo
Today · 4.125%
HK$82,204
baseline
▲ 0.50% · 4.625%
HK$87,206
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,408/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,055
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,363
−HK$2,341/mo
Today · 4.125%
HK$90,704
baseline
▲ 0.50% · 4.625%
HK$95,486
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,408/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,455
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,548
−HK$3,143/mo
Today · 4.125%
HK$105,691
baseline
▲ 0.50% · 4.625%
HK$112,122
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,382/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,642
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,610
−HK$3,010/mo
Today · 4.125%
HK$116,620
baseline
▲ 0.50% · 4.625%
HK$122,767
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,240/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,812 · Scale 2, in force from 26 Feb 2026)