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$55,229
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,947
−HK$1,746/mo
Today · 4.125%
HK$58,693
baseline
▲ 0.50% · 4.625%
HK$62,264
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,386/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,442
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,090
−HK$1,672/mo
Today · 4.125%
HK$64,762
baseline
▲ 0.50% · 4.625%
HK$68,175
+HK$3,413/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,524/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,275
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,337
−HK$2,094/mo
Today · 4.125%
HK$70,431
baseline
▲ 0.50% · 4.625%
HK$74,717
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,862/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,730
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,708
−HK$2,006/mo
Today · 4.125%
HK$77,714
baseline
▲ 0.50% · 4.625%
HK$81,810
+HK$4,096/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,428/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,321
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,726
−HK$2,444/mo
Today · 4.125%
HK$82,170
baseline
▲ 0.50% · 4.625%
HK$87,170
+HK$5,000/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$164,340/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,019
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,326
−HK$2,340/mo
Today · 4.125%
HK$90,666
baseline
▲ 0.50% · 4.625%
HK$95,445
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.95M · min. income ≈ HK$181,332/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,413
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,505
−HK$3,142/mo
Today · 4.125%
HK$105,647
baseline
▲ 0.50% · 4.625%
HK$112,075
+HK$6,428/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,294/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,596
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,562
−HK$3,009/mo
Today · 4.125%
HK$116,571
baseline
▲ 0.50% · 4.625%
HK$122,715
+HK$6,144/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,142/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,378 · Scale 2, in force from 26 Feb 2026)