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$55,195
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,745/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$62,226
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,051
−HK$1,671/mo
Today · 4.125%
HK$64,722
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,411/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,444/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,235
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,295
−HK$2,093/mo
Today · 4.125%
HK$70,388
baseline
▲ 0.50% · 4.625%
HK$74,671
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,776/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,685
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,661
−HK$2,005/mo
Today · 4.125%
HK$77,666
baseline
▲ 0.50% · 4.625%
HK$81,760
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,332/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,274
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,677
−HK$2,442/mo
Today · 4.125%
HK$82,119
baseline
▲ 0.50% · 4.625%
HK$87,116
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,238/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,966
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,272
−HK$2,339/mo
Today · 4.125%
HK$90,611
baseline
▲ 0.50% · 4.625%
HK$95,387
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,222/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,352
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,442
−HK$3,140/mo
Today · 4.125%
HK$105,582
baseline
▲ 0.50% · 4.625%
HK$112,006
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$211,164/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,528
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,492
−HK$3,007/mo
Today · 4.125%
HK$116,499
baseline
▲ 0.50% · 4.625%
HK$122,640
+HK$6,141/mo
Deposit HK$2.42M · loan HK$21.79M · min. income ≈ HK$232,998/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,747 · Scale 2, in force from 26 Feb 2026)