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$55,287
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,006
−HK$1,748/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$62,329
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,506
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,155
−HK$1,674/mo
Today · 4.125%
HK$64,829
baseline
▲ 0.50% · 4.625%
HK$68,246
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,658/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,344
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$2,096/mo
Today · 4.125%
HK$70,504
baseline
▲ 0.50% · 4.625%
HK$74,794
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,008/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,807
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,786
−HK$2,008/mo
Today · 4.125%
HK$77,794
baseline
▲ 0.50% · 4.625%
HK$81,895
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,588/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,401
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,809
−HK$2,446/mo
Today · 4.125%
HK$82,255
baseline
▲ 0.50% · 4.625%
HK$87,260
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,510/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,108
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,417
−HK$2,343/mo
Today · 4.125%
HK$90,760
baseline
▲ 0.50% · 4.625%
HK$95,544
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,520/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,516
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,611
−HK$3,145/mo
Today · 4.125%
HK$105,756
baseline
▲ 0.50% · 4.625%
HK$112,191
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,512/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,710
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,680
−HK$3,012/mo
Today · 4.125%
HK$116,692
baseline
▲ 0.50% · 4.625%
HK$122,843
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,384/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,446 · Scale 2, in force from 26 Feb 2026)