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$55,270
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,989
−HK$1,747/mo
Today · 4.125%
HK$58,736
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,472/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,487
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,136
−HK$1,673/mo
Today · 4.125%
HK$64,809
baseline
▲ 0.50% · 4.625%
HK$68,225
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,618/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,324
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,387
−HK$2,096/mo
Today · 4.125%
HK$70,483
baseline
▲ 0.50% · 4.625%
HK$74,771
+HK$4,288/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,966/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,784
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,763
−HK$2,008/mo
Today · 4.125%
HK$77,771
baseline
▲ 0.50% · 4.625%
HK$81,870
+HK$4,099/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,542/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,378
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,784
−HK$2,446/mo
Today · 4.125%
HK$82,230
baseline
▲ 0.50% · 4.625%
HK$87,233
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,460/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,082
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,390
−HK$2,342/mo
Today · 4.125%
HK$90,732
baseline
▲ 0.50% · 4.625%
HK$95,515
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,464/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,485
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,580
−HK$3,144/mo
Today · 4.125%
HK$105,724
baseline
▲ 0.50% · 4.625%
HK$112,157
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,448/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,676
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,645
−HK$3,011/mo
Today · 4.125%
HK$116,656
baseline
▲ 0.50% · 4.625%
HK$122,805
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,312/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,130 · Scale 2, in force from 26 Feb 2026)