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$55,258
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,976
−HK$1,747/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,473
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,122
−HK$1,673/mo
Today · 4.125%
HK$64,795
baseline
▲ 0.50% · 4.625%
HK$68,210
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,590/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,309
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,372
−HK$2,095/mo
Today · 4.125%
HK$70,467
baseline
▲ 0.50% · 4.625%
HK$74,755
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,934/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,768
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,007/mo
Today · 4.125%
HK$77,754
baseline
▲ 0.50% · 4.625%
HK$81,852
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,508/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,361
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,767
−HK$2,445/mo
Today · 4.125%
HK$82,212
baseline
▲ 0.50% · 4.625%
HK$87,214
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,424/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,063
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,371
−HK$2,342/mo
Today · 4.125%
HK$90,713
baseline
▲ 0.50% · 4.625%
HK$95,494
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,426/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,464
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,558
−HK$3,143/mo
Today · 4.125%
HK$105,701
baseline
▲ 0.50% · 4.625%
HK$112,133
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,402/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,652
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,620
−HK$3,010/mo
Today · 4.125%
HK$116,630
baseline
▲ 0.50% · 4.625%
HK$122,778
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,260/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,905 · Scale 2, in force from 26 Feb 2026)