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$55,278
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$56,998
−HK$1,747/mo
Today · 4.125%
HK$58,745
baseline
▲ 0.50% · 4.625%
HK$62,319
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,490/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,496
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,146
−HK$1,673/mo
Today · 4.125%
HK$64,819
baseline
▲ 0.50% · 4.625%
HK$68,235
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,638/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,397
−HK$2,096/mo
Today · 4.125%
HK$70,493
baseline
▲ 0.50% · 4.625%
HK$74,783
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$140,986/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,796
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,775
−HK$2,008/mo
Today · 4.125%
HK$77,783
baseline
▲ 0.50% · 4.625%
HK$81,883
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,566/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,389
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,797
−HK$2,445/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$87,247
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,484/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,095
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,404
−HK$2,342/mo
Today · 4.125%
HK$90,746
baseline
▲ 0.50% · 4.625%
HK$95,530
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,492/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,501
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,596
−HK$3,144/mo
Today · 4.125%
HK$105,740
baseline
▲ 0.50% · 4.625%
HK$112,174
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,480/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,693
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,662
−HK$3,012/mo
Today · 4.125%
HK$116,674
baseline
▲ 0.50% · 4.625%
HK$122,824
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,348/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,288 · Scale 2, in force from 26 Feb 2026)