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$55,180
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,896
−HK$1,744/mo
Today · 4.125%
HK$58,640
baseline
▲ 0.50% · 4.625%
HK$62,208
+HK$3,568/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,280/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,387
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,670/mo
Today · 4.125%
HK$64,704
baseline
▲ 0.50% · 4.625%
HK$68,114
+HK$3,410/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,408/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,216
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,276
−HK$2,092/mo
Today · 4.125%
HK$70,368
baseline
▲ 0.50% · 4.625%
HK$74,650
+HK$4,282/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,736/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,665
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,640
−HK$2,005/mo
Today · 4.125%
HK$77,645
baseline
▲ 0.50% · 4.625%
HK$81,737
+HK$4,092/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,290/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,252
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,655
−HK$2,441/mo
Today · 4.125%
HK$82,096
baseline
▲ 0.50% · 4.625%
HK$87,092
+HK$4,996/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,192/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,942
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,247
−HK$2,338/mo
Today · 4.125%
HK$90,585
baseline
▲ 0.50% · 4.625%
HK$95,360
+HK$4,775/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,170/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,324
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,414
−HK$3,139/mo
Today · 4.125%
HK$105,553
baseline
▲ 0.50% · 4.625%
HK$111,975
+HK$6,422/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,106/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,497
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,461
−HK$3,006/mo
Today · 4.125%
HK$116,467
baseline
▲ 0.50% · 4.625%
HK$122,606
+HK$6,139/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,934/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,461 · Scale 2, in force from 26 Feb 2026)