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$55,233
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,951
−HK$1,746/mo
Today · 4.125%
HK$58,697
baseline
▲ 0.50% · 4.625%
HK$62,268
+HK$3,571/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,394/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,446
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,094
−HK$1,672/mo
Today · 4.125%
HK$64,766
baseline
▲ 0.50% · 4.625%
HK$68,180
+HK$3,414/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,532/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,280
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,341
−HK$2,095/mo
Today · 4.125%
HK$70,436
baseline
▲ 0.50% · 4.625%
HK$74,722
+HK$4,286/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$140,872/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,736
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,006/mo
Today · 4.125%
HK$77,719
baseline
▲ 0.50% · 4.625%
HK$81,816
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.53M · min. income ≈ HK$155,438/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,326
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,732
−HK$2,443/mo
Today · 4.125%
HK$82,175
baseline
▲ 0.50% · 4.625%
HK$87,176
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,350/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,025
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,332
−HK$2,341/mo
Today · 4.125%
HK$90,673
baseline
▲ 0.50% · 4.625%
HK$95,452
+HK$4,779/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,346/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,420
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,512
−HK$3,142/mo
Today · 4.125%
HK$105,654
baseline
▲ 0.50% · 4.625%
HK$112,083
+HK$6,429/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,308/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,603
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,570
−HK$3,009/mo
Today · 4.125%
HK$116,579
baseline
▲ 0.50% · 4.625%
HK$122,724
+HK$6,145/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,158/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,450 · Scale 2, in force from 26 Feb 2026)