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$55,238
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,957
−HK$1,745/mo
Today · 4.125%
HK$58,702
baseline
▲ 0.50% · 4.625%
HK$62,274
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,404/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,452
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,100
−HK$1,672/mo
Today · 4.125%
HK$64,772
baseline
▲ 0.50% · 4.625%
HK$68,186
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,544/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,286
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,348
−HK$2,095/mo
Today · 4.125%
HK$70,443
baseline
▲ 0.50% · 4.625%
HK$74,729
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,886/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,743
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,720
−HK$2,007/mo
Today · 4.125%
HK$77,727
baseline
▲ 0.50% · 4.625%
HK$81,824
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,454/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,334
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,739
−HK$2,444/mo
Today · 4.125%
HK$82,183
baseline
▲ 0.50% · 4.625%
HK$87,184
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,366/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,033
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,340
−HK$2,341/mo
Today · 4.125%
HK$90,681
baseline
▲ 0.50% · 4.625%
HK$95,461
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,362/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,429
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,522
−HK$3,142/mo
Today · 4.125%
HK$105,664
baseline
▲ 0.50% · 4.625%
HK$112,094
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,328/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,614
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,581
−HK$3,009/mo
Today · 4.125%
HK$116,590
baseline
▲ 0.50% · 4.625%
HK$122,736
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,180/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,548 · Scale 2, in force from 26 Feb 2026)