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$55,201
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,918
−HK$1,745/mo
Today · 4.125%
HK$58,663
baseline
▲ 0.50% · 4.625%
HK$62,232
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,326/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,411
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,670/mo
Today · 4.125%
HK$64,728
baseline
▲ 0.50% · 4.625%
HK$68,140
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,456/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,241
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$2,093/mo
Today · 4.125%
HK$70,395
baseline
▲ 0.50% · 4.625%
HK$74,679
+HK$4,284/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,790/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,693
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,669
−HK$2,005/mo
Today · 4.125%
HK$77,674
baseline
▲ 0.50% · 4.625%
HK$81,768
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,348/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,281
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,685
−HK$2,443/mo
Today · 4.125%
HK$82,128
baseline
▲ 0.50% · 4.625%
HK$87,125
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,256/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,975
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,281
−HK$2,339/mo
Today · 4.125%
HK$90,620
baseline
▲ 0.50% · 4.625%
HK$95,397
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,240/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,362
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,453
−HK$3,140/mo
Today · 4.125%
HK$105,593
baseline
▲ 0.50% · 4.625%
HK$112,018
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,186/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,539
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,504
−HK$3,007/mo
Today · 4.125%
HK$116,511
baseline
▲ 0.50% · 4.625%
HK$122,653
+HK$6,142/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,022/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,852 · Scale 2, in force from 26 Feb 2026)