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$55,206
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,745/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$62,237
+HK$3,569/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,416
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,063
−HK$1,671/mo
Today · 4.125%
HK$64,734
baseline
▲ 0.50% · 4.625%
HK$68,146
+HK$3,412/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,468/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,307
−HK$2,094/mo
Today · 4.125%
HK$70,401
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,802/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,699
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,675
−HK$2,006/mo
Today · 4.125%
HK$77,681
baseline
▲ 0.50% · 4.625%
HK$81,775
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,362/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,288
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,692
−HK$2,443/mo
Today · 4.125%
HK$82,135
baseline
▲ 0.50% · 4.625%
HK$87,132
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,270/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,982
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,288
−HK$2,339/mo
Today · 4.125%
HK$90,627
baseline
▲ 0.50% · 4.625%
HK$95,404
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,254/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,370
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,461
−HK$3,141/mo
Today · 4.125%
HK$105,602
baseline
▲ 0.50% · 4.625%
HK$112,027
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,204/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,548
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,513
−HK$3,008/mo
Today · 4.125%
HK$116,521
baseline
▲ 0.50% · 4.625%
HK$122,663
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,042/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,938 · Scale 2, in force from 26 Feb 2026)