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$55,261
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,980
−HK$1,747/mo
Today · 4.125%
HK$58,727
baseline
▲ 0.50% · 4.625%
HK$62,300
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,454/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,478
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,126
−HK$1,673/mo
Today · 4.125%
HK$64,799
baseline
▲ 0.50% · 4.625%
HK$68,215
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,598/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,313
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,376
−HK$2,096/mo
Today · 4.125%
HK$70,472
baseline
▲ 0.50% · 4.625%
HK$74,760
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,944/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,773
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,752
−HK$2,007/mo
Today · 4.125%
HK$77,759
baseline
▲ 0.50% · 4.625%
HK$81,858
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,518/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,366
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,772
−HK$2,445/mo
Today · 4.125%
HK$82,217
baseline
▲ 0.50% · 4.625%
HK$87,220
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,434/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,069
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,377
−HK$2,342/mo
Today · 4.125%
HK$90,719
baseline
▲ 0.50% · 4.625%
HK$95,500
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,438/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,470
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,564
−HK$3,144/mo
Today · 4.125%
HK$105,708
baseline
▲ 0.50% · 4.625%
HK$112,140
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,416/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,660
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,627
−HK$3,011/mo
Today · 4.125%
HK$116,638
baseline
▲ 0.50% · 4.625%
HK$122,786
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,276/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,973 · Scale 2, in force from 26 Feb 2026)