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$55,164
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,880
−HK$1,744/mo
Today · 4.125%
HK$58,624
baseline
▲ 0.50% · 4.625%
HK$62,191
+HK$3,567/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,248/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,370
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,016
−HK$1,670/mo
Today · 4.125%
HK$64,686
baseline
▲ 0.50% · 4.625%
HK$68,095
+HK$3,409/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,372/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,197
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,257
−HK$2,092/mo
Today · 4.125%
HK$70,349
baseline
▲ 0.50% · 4.625%
HK$74,629
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,698/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,619
−HK$2,004/mo
Today · 4.125%
HK$77,623
baseline
▲ 0.50% · 4.625%
HK$81,714
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,246/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,230
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,633
−HK$2,440/mo
Today · 4.125%
HK$82,073
baseline
▲ 0.50% · 4.625%
HK$87,067
+HK$4,994/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,146/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,918
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,222
−HK$2,338/mo
Today · 4.125%
HK$90,560
baseline
▲ 0.50% · 4.625%
HK$95,333
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,120/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,296
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,385
−HK$3,138/mo
Today · 4.125%
HK$105,523
baseline
▲ 0.50% · 4.625%
HK$111,944
+HK$6,421/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,046/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,466
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,429
−HK$3,005/mo
Today · 4.125%
HK$116,434
baseline
▲ 0.50% · 4.625%
HK$122,571
+HK$6,137/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,868/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,170 · Scale 2, in force from 26 Feb 2026)