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$55,203
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,920
−HK$1,745/mo
Today · 4.125%
HK$58,665
baseline
▲ 0.50% · 4.625%
HK$62,234
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,330/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,413
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,060
−HK$1,671/mo
Today · 4.125%
HK$64,731
baseline
▲ 0.50% · 4.625%
HK$68,143
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,462/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,244
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,304
−HK$2,094/mo
Today · 4.125%
HK$70,398
baseline
▲ 0.50% · 4.625%
HK$74,681
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$140,796/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,696
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,672
−HK$2,005/mo
Today · 4.125%
HK$77,677
baseline
▲ 0.50% · 4.625%
HK$81,772
+HK$4,095/mo
Deposit HK$9.68M · loan HK$14.53M · min. income ≈ HK$155,354/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,284
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,688
−HK$2,443/mo
Today · 4.125%
HK$82,131
baseline
▲ 0.50% · 4.625%
HK$87,128
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$164,262/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,978
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,284
−HK$2,339/mo
Today · 4.125%
HK$90,623
baseline
▲ 0.50% · 4.625%
HK$95,400
+HK$4,777/mo
Deposit HK$7.26M · loan HK$16.95M · min. income ≈ HK$181,246/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,366
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,456
−HK$3,141/mo
Today · 4.125%
HK$105,597
baseline
▲ 0.50% · 4.625%
HK$112,022
+HK$6,425/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,194/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,543
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,508
−HK$3,008/mo
Today · 4.125%
HK$116,516
baseline
▲ 0.50% · 4.625%
HK$122,657
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$233,032/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,890 · Scale 2, in force from 26 Feb 2026)