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$55,283
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,002
−HK$1,748/mo
Today · 4.125%
HK$58,750
baseline
▲ 0.50% · 4.625%
HK$62,324
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,500/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,502
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,151
−HK$1,673/mo
Today · 4.125%
HK$64,824
baseline
▲ 0.50% · 4.625%
HK$68,241
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,648/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,339
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,403
−HK$2,096/mo
Today · 4.125%
HK$70,499
baseline
▲ 0.50% · 4.625%
HK$74,789
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$140,998/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,802
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,781
−HK$2,008/mo
Today · 4.125%
HK$77,789
baseline
▲ 0.50% · 4.625%
HK$81,890
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,578/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,396
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,803
−HK$2,446/mo
Today · 4.125%
HK$82,249
baseline
▲ 0.50% · 4.625%
HK$87,254
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,498/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,102
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,411
−HK$2,343/mo
Today · 4.125%
HK$90,754
baseline
▲ 0.50% · 4.625%
HK$95,538
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,508/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,509
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,604
−HK$3,145/mo
Today · 4.125%
HK$105,749
baseline
▲ 0.50% · 4.625%
HK$112,184
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,498/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,703
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,672
−HK$3,012/mo
Today · 4.125%
HK$116,684
baseline
▲ 0.50% · 4.625%
HK$122,834
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,368/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,375 · Scale 2, in force from 26 Feb 2026)