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$55,265
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,747/mo
Today · 4.125%
HK$58,731
baseline
▲ 0.50% · 4.625%
HK$62,304
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,462/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,482
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,131
−HK$1,672/mo
Today · 4.125%
HK$64,803
baseline
▲ 0.50% · 4.625%
HK$68,219
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,606/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,318
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,381
−HK$2,096/mo
Today · 4.125%
HK$70,477
baseline
▲ 0.50% · 4.625%
HK$74,765
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,954/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,778
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,757
−HK$2,007/mo
Today · 4.125%
HK$77,764
baseline
▲ 0.50% · 4.625%
HK$81,863
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,528/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,371
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,778
−HK$2,445/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$87,226
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,074
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,383
−HK$2,342/mo
Today · 4.125%
HK$90,725
baseline
▲ 0.50% · 4.625%
HK$95,507
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,450/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,477
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,571
−HK$3,144/mo
Today · 4.125%
HK$105,715
baseline
▲ 0.50% · 4.625%
HK$112,147
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,430/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,667
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,635
−HK$3,011/mo
Today · 4.125%
HK$116,646
baseline
▲ 0.50% · 4.625%
HK$122,795
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,292/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,042 · Scale 2, in force from 26 Feb 2026)