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$55,288
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,008
−HK$1,747/mo
Today · 4.125%
HK$58,755
baseline
▲ 0.50% · 4.625%
HK$62,330
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,510/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,507
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,157
−HK$1,673/mo
Today · 4.125%
HK$64,830
baseline
▲ 0.50% · 4.625%
HK$68,248
+HK$3,418/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,660/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,345
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,409
−HK$2,097/mo
Today · 4.125%
HK$70,506
baseline
▲ 0.50% · 4.625%
HK$74,796
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,012/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,809
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,788
−HK$2,008/mo
Today · 4.125%
HK$77,796
baseline
▲ 0.50% · 4.625%
HK$81,897
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,592/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,403
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,811
−HK$2,446/mo
Today · 4.125%
HK$82,257
baseline
▲ 0.50% · 4.625%
HK$87,262
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,514/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,110
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,419
−HK$2,343/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$95,547
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,518
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,614
−HK$3,145/mo
Today · 4.125%
HK$105,759
baseline
▲ 0.50% · 4.625%
HK$112,194
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,518/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,713
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,682
−HK$3,012/mo
Today · 4.125%
HK$116,694
baseline
▲ 0.50% · 4.625%
HK$122,846
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,388/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,470 · Scale 2, in force from 26 Feb 2026)