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$55,189
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,906
−HK$1,744/mo
Today · 4.125%
HK$58,650
baseline
▲ 0.50% · 4.625%
HK$62,219
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,300/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,398
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,044
−HK$1,671/mo
Today · 4.125%
HK$64,715
baseline
▲ 0.50% · 4.625%
HK$68,126
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,430/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,227
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,287
−HK$2,093/mo
Today · 4.125%
HK$70,380
baseline
▲ 0.50% · 4.625%
HK$74,663
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,760/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,677
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,653
−HK$2,005/mo
Today · 4.125%
HK$77,658
baseline
▲ 0.50% · 4.625%
HK$81,751
+HK$4,093/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,316/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,265
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,669
−HK$2,441/mo
Today · 4.125%
HK$82,110
baseline
▲ 0.50% · 4.625%
HK$87,107
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,220/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,957
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,262
−HK$2,339/mo
Today · 4.125%
HK$90,601
baseline
▲ 0.50% · 4.625%
HK$95,376
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,202/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,341
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,431
−HK$3,140/mo
Today · 4.125%
HK$105,571
baseline
▲ 0.50% · 4.625%
HK$111,994
+HK$6,423/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,142/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,516
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,480
−HK$3,007/mo
Today · 4.125%
HK$116,487
baseline
▲ 0.50% · 4.625%
HK$122,627
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,974/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,635 · Scale 2, in force from 26 Feb 2026)